2428 Dalhart Trl, Mckinney, TX 75072
5 beds · 4 baths · 3,661 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to 2428 Dalhart Trail, a meticulously renovated 5-bedroom, 3.5-bathroom home in the coveted Hidden Creek community of McKinney. Spanning over 3,600 square feet on a 9,700+ square-foot lot, this residence boasts an expansive backyard ideal for customization, including the potential for a pool. Inside, fresh, high-end paint enhances the modern aesthetic, new windows for energy management, complementing luxury vinyl plank flooring that flows through the common areas. The fully renovated kitchen is a standout, featuring new cabinetry, white quartz countertops, modern fixtures, a large center island, and a breakfast bar for added storage. The home offers three distinct living spaces: a formal front living room, a cozy family room adjacent to the kitchen, and a versatile second-floor loft. Energy efficiency is unparalleled, thanks to a state-of-the-art solar energy system covering all sides of the roof, delivering massive utility savings. Two Tesla Powerwalls further enhance energy efficiency, providing backup power and supporting electric vehicle charging needs. The primary suite, located on the main floor, overlooks the backyard and features a en-suite bathroom with updated fixtures, a dual vanity, a separate shower and soaking tub, and a spacious walk-in closet. Four additional bedrooms, two full bathrooms, a convenient half-bath on the main level, and a second-floor media room with color-changing lights complete the layout, offering ample space for entertaining or comfortable living. Steps from the highly rated Roy Lee Walker Elementary School and Hilltop Park, this home combines prime location, top-tier schools, and cutting-edge upgrades. Schedule your private tour today to experience this exceptional McKinney gem! AVERAGE ELECTRICITY BILL IS $21 PER MONTH DUE TO THE SOLAR PANELS. THE SOLAR PANELS ARE OWNED AND WILL BE CONVEYED TO THE BUYERS!!!
Source: NTREIS #20911635
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: NTREIS #20911635
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 of Equal Opportunity Act.