2225 Baxter Canyon Rd, Vista, CA 92081
3 beds · 3 baths · 1,920 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Beautifully maintained home in the highly desirable Shadowridge community of Vista—ideally located near the Carlsbad border and just minutes from the coast, top-rated schools, parks, and family-friendly amenities. This spacious 3-bedroom, 2.5-bath residence offers over 1,900 sq. ft. of comfortable living space and sits on one of the largest lots in the neighborhood—nearly 10,000 sq. ft. Thoughtful upgrades include owned solar, a new roof underlayment, and a fully updated HVAC system (AC and furnace), all completed in 2020. The front yard has been re-landscaped with updated perimeter fencing, creating a welcoming and secure outdoor space. With no HOA or Mello-Roos fees, this house is perfect for the indoor-outdoor Southern California lifestyle, the home features a charming front patio and two backyard patios—ideal for family and friend gatherings, playtime, or weekend BBQs. Inside, both upstairs bathrooms have been beautifully remodeled with high-end finishes, including marble and ceramic tile, raindrop shower heads, and frameless glass enclosures. A dual-function wood-burning and gas fireplace adds cozy charm indoors, while a fire pit enhances the backyard for evening relaxation. Additional highlights include low-maintenance artificial turf, custom blackout blinds on all downstairs windows and the patio slider, and a newer garage door with specialized installation that maximizes overhead storage. This move-in-ready home offers the perfect blend of comfort, style, and location—ideal for families looking to enjoy the coastal lifestyle in one of North County’s most sought-after neighborhoods. Beware of the dog. Don't let the cat out, pls!
Source: CRMLS #PTP2502834
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: CRMLS #PTP2502834
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.