2914 112th Ter E, Parrish, FL 34219
3 beds · 2 baths · 2,238 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Immaculately maintained and move-in ready, this stunning 3-bedroom, 2-bathroom home in the sought-after River Woods neighborhood is packed with upgrades! Recently painted inside and out, it features new luxury vinyl flooring throughout, new carpet in the bedrooms, and quartz countertops in the kitchen and bathrooms. Situated at the end of a quiet cul-de-sac, this home boasts an open floor plan, high ceilings, and a split-bedroom layout designed for comfort and functionality. The bright and airy family room is the heart of the home, featuring expansive sliding doors that lead to a sparkling pool and spa, inviting you to embrace the Florida lifestyle. Lush, mature landscaping surrounds the property, ensuring privacy, peace, and tranquility. Whether you're unwinding by the fire pit on one side of the lanai or enjoying the secluded garden on the other, you'll feel completely at ease. Watch as the bamboo sways in rhythm with the gentle ripples of the pool, creating a serene outdoor retreat. As evening falls, the home seamlessly blends indoor and outdoor living, making it perfect for entertaining—gather friends around the fire pit and enjoy the starry night sky! The oversized primary suite offers a spacious layout, a large walk-in closet, and breathtaking views of the pool, spa, and wooded backyard through sliding doors. The primary bath features a luxurious garden tub, separate shower, and dual sinks. Additional highlights include: 3-car garage—plenty of space for vehicles and storage - Plantation shutters on all windows - New A/C (2024) & New Roof (2022). Located in the desirable River Woods community, residents enjoy a clubhouse with a fitness center, community pool, tennis courts, and access to the Manatee River—all with low HOA fees and no CDD fees. Conveniently close to I-75, this home is a commuter’s dream! Don't miss out—schedule your private showing today!
Source: STELLAR #A4638716
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: STELLAR #A4638716
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.