VA loan
1 of 20
VA loan

2585 Daffadil Ter, Sanford, FL 32771

3 beds · 2 baths · 1,099 sqft

Concierge

Get a free consultation call with an expert in the mortgage assumption process.

Under contract-accepting backup offers. NEW ROOF COMING SOON! Welcome to this beautifully upgraded home that combines functionality with style! This charming home offers thoughtful, modern upgrades throughout. As you step through the brand-new front door, you’ll immediately be drawn into the open family room, featuring vaulted ceilings and light, wood-like LVP flooring. The space flows seamlessly into the kitchen, which has been fully updated with contemporary teal cabinets and sleek black granite countertops. New lighting fixtures, a set of sliding doors, and stainless steel appliances—including a brand-new dishwasher—add to the modern, inviting atmosphere. This home offers three generously sized bedrooms, each thoughtfully positioned for privacy and relaxation. The primary suite boasts a walk-in closet and an ensuite bathroom, complete with a double vanity, garden tub, and tiled shower. One of the standout features of this home is the converted garage, now a versatile, insulated space with a mini-split air conditioning unit. This bonus room is perfect for use as a playroom, office, or additional living space to suit your needs. Step outside to the patio area, which comes complete with a fan and speakers, creating the perfect environment for entertaining or simply unwinding. The backyard is equally impressive, featuring a new TUFF storage shed(with warranty), new fencing, and a cozy fire pit for evenings spent outdoors. Additional amenities include Nest smart home features to control your home's operations from anywhere, a whole-home water filtration system for clean, crisp water and a Guardian air purifying system to ensure that your home's air quality is the healthiest it can be. A security system with 6 cameras will provide the peace of mind that your family’s safety is a top priority. Don't miss out on the chance to make this meticulously updated home yours. Schedule a showing today! ROOF - 2025 HVAC - 2021 ELECTRICAL - 2006 PLUMBING - 2006

Location
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Loan details
Monthly payment

All values shown are estimated costs / mo.

Total
$1,047
Principal & interest
$682
Mortgage insurance
-
Property taxes
-
Home insurance
-
HOA fees
-
Utilities
Not included

Source: Public records

Home details
Size
1,099 sqft
Lot size
0.1 acres
Year built
2006
Type
Single Family Residence
HOA dues
$0.00

Source: STELLAR #O6291513

Qualify

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.

Resources
Frequently asked questions

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.

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Last updated: May 06, 2025 07:30 pm
Listing agent: Amy Turner (407) 803-3885
Listing provided courtesy of: KELLER WILLIAMS WINTER PARK (407) 545-6430
Details provided by STELLAR and may not match the public record.
MLS ID: #O6291513
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2025 MLS GRID. All Rights Reserved.
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