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$430,000 SIGNIN

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3040 Softwood Cir, Fort Worth, TX 76244

4 beds · 2 baths · 2,444 sqft

Welcome home to the beautiful sought-after Villages of Woodland Springs! Featuring fresh paint and new carpet throughout, this home offers a warm and inviting feel from the moment you walk in. The smart split floor plan provides privacy and flexibility, with a spacious primary suite tucked away at the back of the home, and three additional bedrooms—perfect for a home office, guest space, or growing family. Upstairs, you’ll find a generous game-media room, ideal for movie nights, gaming, or extra lounge space. The open-concept kitchen boasts abundant counter space, a dedicated desk nook for homework or study, and flows seamlessly into the main living area. The formal dining room offers versatility and could easily function as a playroom or second sitting area. Step outside to enjoy a peaceful backyard experience—backing up to green space with a wrought iron fence that allows unobstructed views of nature and stunning Texas sunrises. Living in Villages of Woodland Springs means access to incredible community amenities, including a newly remodeled amenities center with a full kitchen, six pools, tennis, basketball, and volleyball courts, and miles of scenic sidewalks for walking and jogging. This home truly offers the best of comfort, space, and community—schedule your showing today!

Estimated
Seller's interest rate
2.73%
7%
Estimated
Monthly payment

$1,863
$2,483
You may also save up to $192,832 in total interest paid.

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.

Financials
Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $2,483 monthly payment

Financed
SIGNIN
Location
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Loan details
Loan type
FHA
Rate
2.73%
Remaining term
25 yrs and 11 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$1,863
Principal & interest
$1,119
Mortgage insurance
$194
Property taxes
$108
Home insurance
$369
HOA fees
$71
Utilities
Not included

Source: Public records

Home details
Size
2,444 sqft
Lot size
0.172 acres
Year built
2010
Type
Single Family Residence
HOA dues
$71.33

Source: NTREIS #20902468

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.

View all FAQs
Last updated: Apr 23, 2025 02:00 am
Listing agent: Jennifer Medkief
Listing provided courtesy of: eXp Realty LLC (888) 519-7431
Details provided by NTREIS and may not match the public record.
MLS ID: #20902468
The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of the NTREIS Multiple Listing Service. Real estate listings held by brokerage firms other than this broker are marked with the Broker Reciprocity logo and detailed information about them includes the name of the listing brokers.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.
$1,863
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