2805 Erics Ct, Crofton, MD 21114
4 beds · 4 baths · 3,312 sqft
Get a free consultation call with an expert in the mortgage assumption process.
OFFER DEADLINE: Sunday, Apr 13th at 8:00 PM. Welcome to 2805 Erics Court, a lovingly maintained gem tucked away on a quiet cul-de-sac in Crofton’s highly desirable Chapman Farm community. This 4-bedroom, 3.5-bathroom home has been cherished by its original owner and offers a perfect blend of elegance, warmth, and smart functionality—inside and out. Step through the front door into a bright, two-story foyer that sets the tone for the rest of the home. Gleaming hardwood floors flow throughout the main level, where light-filled living spaces provide both comfort and sophistication. The formal living room is warm and inviting, while the elegant dining room creates the perfect setting for memorable gatherings. The updated kitchen is a chef’s dream—complete with granite countertops, stainless steel appliances, abundant cabinetry, a breakfast nook and a bonus dining area that opens to the spacious family room. There, you’ll find a wood-burning fireplace and views of the serene outdoor living space. A main-level laundry room adds everyday convenience. Upstairs, the expansive primary suite offers a true retreat with an en suite bath featuring dual vanities, a soaking tub, and a separate shower. Three additional bedrooms are generously sized, providing comfort, flexibility, and room to grow. The fully finished walkout basement adds even more space and functionality, featuring a gas fireplace (powerful enough to heat the entire home), a flexible den/office, a full bath, and abundant storage. Outdoor living shines with a low-maintenance composite deck that overlooks a private, tree-lined backyard, perfect for morning coffee or hosting friends. The deck is durable enough to support a hot tub, while the serene lower-level patio offers a peaceful place to unwind. This home also comes with peace of mind—major systems have already been updated, including: ✅ HVAC (2020) ✅ Water Heater (2018) ✅ Roof (2013) ✅ Rebuilt windows down to the frames ✅ High-quality Pella® doors ✅ Replaced siding ✅ Added insulation for increased energy efficiency. Located in a vibrant, close-knit neighborhood, Chapman Farm is known for its low HOA fee and active social calendar, with year-round events and family-friendly activities that foster a strong sense of community. Enjoy easy access to award-winning schools, shopping, dining, and major commuter routes—everything you need is right at your fingertips. If you’ve been searching for a home that offers generous space, timeless charm, and an incredible lifestyle—2805 Erics Court is the one. Don’t miss your chance to make it yours!
Source: BRIGHT #MDAA2110240
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #MDAA2110240
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.