2069 Alder Ln, Dumfries, VA 22026
3 beds · 3 baths · 2,318 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to this beautifully maintained and thoughtfully upgraded 4-level, 3-bedroom, 2.5-bath townhome, ideally situated in one of Potomac Shores’ most desirable locations—within the future Town Center District. Offering standout custom features, elegant finishes, and access to world-class community amenities, this home truly rises above the rest. From the moment you arrive, the curb appeal shines with a manicured courtyard lawn, vibrant flower beds, and inviting entryway. Step inside to discover a home filled with natural light, warmth, and functional elegance. The entry-level offers a bright and spacious flex room, currently styled as a custom home office complete with built-in shelving and cabinetry—perfect for working from home or if needed transforming into a guest bedroom. With rough-in plumbing already in place, this level also offers the potential to add a full bath, creating even more versatility. Just beyond, the finished two-car garage is a homeowner’s dream with professionally installed epoxy flooring, overhead storage racks, and wall-mounted systems that keep everything neat, accessible, and impressive. The main living level was designed for seamless entertaining and stylish everyday living. Soaring ceilings and rich hardwood floors throughout the entire home create a polished, cohesive flow. In the gathering room, a custom-built display center flanks the gas fireplace, setting the stage for cozy evenings or lively get-togethers. Step out onto your private deck—complete with a dedicated gas line for worry-free grilling—and enjoy morning coffee, afternoon reading, or sunset relaxation. The kitchen is a showstopper. Anchored by a large quartz-topped island with breakfast bar seating, it features stainless steel appliances, a five-burner gas cooktop, a range hood, upgraded lighting, stylish backsplash, and custom cabinetry and built-ins throughout. Don’t miss the spacious custom designed pantry and built-in buffet—both elegant and functional, offering abundant storage and display options. Just off the kitchen, you’ll find a cozy café-style dining nook and a well-placed powder room to complete the space. On the third level, the primary suite is a true retreat, offering space for a king-size bed, two walk-in closets with custom organization systems, and a spa-like ensuite bath featuring a soaking tub, dual sink vanity, and separate glass-enclosed shower. Two additional bedrooms—each with their own custom closets—a full bath, laundry area, and linen closet round out this floor, providing plenty of space and privacy for everyone. The top-level loft adds even more flexibility—ideal as a reading nook, second office, mancave or media lounge—and opens onto your private rooftop terrace, creating the ultimate outdoor living experience. This elevated retreat offers courtyard views and a glimpse of the Shores Club and Pool Barn just to your right. The terrace also features a dedicated hose bib for plant care and a gas line for a future fire table, allowing you to create the outdoor space of your dreams. This exceptional home is part of the award-winning Potomac Shores community, where the $200/month HOA fee includes high-speed internet, trash service, and access to a wealth of resort-style amenities. Enjoy the Jack Nicklaus Signature Public Golf Course, state-of-the-art Fitness Barn, three outdoor pools, Tidewater Grill, and over 9 miles of trails for biking, running, and exploring. Launch a kayak, garden in the community plots, or join one of the many social clubs and events that make Potomac Shores so special. Families will appreciate the convenience of highly rated schools, the Ali Krieger Sports Complex, and exciting developments like the upcoming VRE commuter station and Town Center. Don't miss your chance to own this one-of-a-kind townhome with unmatched features, flexibility, and lifestyle in Potomac Shores.
Source: BRIGHT #VAPW2092758
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #VAPW2092758
To qualify, you must meet the current FHA or VA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50%. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 620, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.