318 Center St N, Vienna, VA 22180
6 beds · 6 baths · 7,107 sqft
Get a free consultation call with an expert in the mortgage assumption process.
*Visit our off site Open House: Saturday, May 10th 1-3pm at 2505 Flint Hill Road Vienna, VA 22181* TO BE BUILT-by Evergreene Homes in the highly desired school district of Vienna Elementary, Thoreau Middle & Madison High School. Expected completion May/June 2026* Welcome to the Heart of Vienna—where small-town charm meets everyday convenience! Just minutes from town, top-rated restaurants, and only one block off the W&OD Trail, this incredible location offers the perfect blend of walkability, community, and lifestyle. Enjoy year-round events like Oktoberfest, Viva Vienna, and the beloved Halloween Parade, all while being part of a close-knit, vibrant neighborhood. Evergreene Homes is proud to present The Chapman—our most popular floor plan—now featuring a stunning Modern Farmhouse elevation and our elevated Diamond Finishes Package. This thoughtfully designed home boasts an impressive array of spaces, including a Morning Room Extension, Main-Level Guest Suite with Full Bath, Main-Level Study, and Butler’s Pantry. Upon entering, you’re welcomed by gleaming hardwood floors, soaring 10-foot ceilings, an expansive Study, and a formal Dining Room. The Designer Kitchen is a chef’s dream, featuring a 6-burner gas range, an oversized island with seating and extra storage, quartz countertops, and all soft-close cabinetry for a sleek and modern aesthetic. Designed with comfort and function in mind, the Great Room showcases a modern linear fireplace, a dedicated entertainment wall, and a striking coffered ceiling. A well-appointed Mudroom with built ins provides ample storage for shoes, bags, and sports equipment. The finished basement expands the living space with a Rec Room, Media Room, Exercise Room, Bedroom, and Full Bath, offering endless possibilities for entertainment, fitness, and relaxation. Upstairs, the luxurious Owner’s Suite is a standout, featuring a generous Sitting Room, two box ceilings, and oversized Walk-In Closets with convenient access from both the bedroom and bathroom—one of our most praised design features. The spa-inspired Owner’s Bath includes a frameless shower, soaking tub, and generous his-and-hers vanities with ample storage. The additional three upper-level bedrooms are well-sized, with one featuring an en-suite bath and two sharing a Jack-and-Jill bath. A striking modern metal railing staircase adds to the home’s contemporary aesthetic, enhancing both style and openness. Completing this exceptional home is a sizable backyard, ideal for outdoor entertaining, play, and relaxation, along with a three-car garage for convenience and extra storage. Our homes always include quality features: whole house fan on the second level with ability to improve the air quality, Humidifier, Electronic Air Cleaner, abundant recessed lighting, best in class 10 year transferable Builder’s Warranty, 2X6 upgraded framing, thermal insulation, and pest tubes in the exterior walls. *Floor Plans and Photos are for information purposes only, some items depicted may be options and not part of the listed price.*
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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: BRIGHT #VAFX2234740
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.