VA loan
1 of 38
VA loan
$875,000 SIGNIN

Sign in to see required down payment for the 4% rate

3204 Holly Berry Ct, Falls Church, VA 22042

3 beds · 3 baths · 1,120 sqft

Concierge

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

This updated 3 BR, 2.5 BA Craftsman-inspired home in Falls Church is calling your name! Want to relax outside in comfort this spring and summer? Look no further than the gorgeous screened-in porch with a view of beautiful Holmes Run Park. Newly re-screened with privacy screening and complete with Trex decking, this porch is the ideal place to enjoy the outdoors in your own backyard. Outside the porch, a flagstone patio provides not only more space for sitting and enjoying nature, but also has as a shed to hold all your yard tools and toys. Newer fencing around the yard offers privacy and a safe place to let pets or kids play! At the front of the house, admire the great curb appeal with lovely hardscaping, a flagstone front walk, beautiful cedar posts on the front porch, a custom Craftsman front door, and a brand-new roof! Walk through the front door and enter the kitchen to discover great pantry space with plenty of shelving, solid wood cabinets and drawers, newer appliances, and attractive plantation shutters on the window. Next to the kitchen, the living and dining area treats you to a wonderful view out the back through the large window! A newer sliding glass door leads to the porch from this room. The entire main floor features LVP flooring and crown molding throughout. Upstairs, three bedrooms with LVP flooring and two full baths provide plenty of room for flexible sleeping arrangements. The primary bedroom has crown molding, and the updated primary bath features a herringbone-pattern tile floor and a solar tunnel bringing in light from outside. Want a cozy place to read or watch your favorite movie? Look no further than the lower level of this home which has a gorgeous white brick wood-burning fireplace! A barn door at the bottom of the steps gives the option for privacy. Also on this level is a convenient half bath as well as the laundry room with a door leading to the backyard and a newer electrical panel with a surge protector. Need storage? This home has plenty of space with Elfa closet systems in the interior closets, a crawl space accessed from the lower level, and a two-car garage with shelving! There are over 150K worth of updates in this home including a 2025 new roof, new flooring, new stairs, rails, updated kitchen, updated bathrooms, water softener and whole house water filtration (2022), new panel with surge protection, screened porch renovated with vinyl, trex products and fiberglass privacy screening, added front porch w/beautiful cedar posts, beautiful craftsman front door and storm door (2023/2024). What are you waiting for? Schedule your tour today!

Estimated
Seller's interest rate
4%
7%
Estimated
Monthly payment

$3,482
$4,516
You may also save up to $341,305 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.


Open house
May 4 • 1PM - 3PM
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 $4,516 monthly payment

Financed
SIGNIN
Location
Use two fingers to move the map
Loan details
Loan type
VA
Rate
4%
Remaining term
27 yrs and 6 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$3,482
Principal & interest
$2,818
Mortgage insurance
-
Property taxes
$364
Home insurance
$298
HOA fees
-
Utilities
Not included

Source: Public records

Home details
Size
1,543 sqft
Lot size
0.19 acres
Year built
1978
Type
Single Family Residence
HOA dues
$0.00

Source: BRIGHT #VAFX2231220

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: May 01, 2025 09:17 am
Listing agent: Tim Royster (571) 275-0871
Listing provided courtesy of: Compass (703) 229-8935
Details provided by BRIGHT and may not match the public record.
MLS ID: #VAFX2231220
The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms in which Roam Brokerage, LLC participates, and is provided by BRIGHT through a licensing agreement. The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some properties which appear for sale on this website may no longer be available because they are under contract, have closed or are no longer being offered for sale. Information Deemed Reliable But Not Guaranteed. Copyright © 2025 Bright MLS. All rights reserved.
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$3,482
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