326 Delaine Woods Dr, Irmo, SC 29063
4 beds · 2 baths · sqft
Welcome to this 4-bedroom, 2-bathroom home offering 2,234 square feet of thoughtfully designed living space. Located in the desirable community of Kingston Forest, this property combines comfort, convenience, and functionality, making it a perfect choice for those seeking a move-in-ready home. As you enter, you’ll be greeted by a formal living room, which can also serve as a flex space, allowing you to use it as a dining room or another area to suit your needs. In addition, this home features a designated home office, ideal for remote work or study. The open-concept great room is highlighted by vaulted ceilings and a gas log fireplace, creating a warm and inviting atmosphere. The kitchen features freshly painted cabinets and a tiled backsplash. Recent updates include new appliances, installed in September 2022, ensuring modern convenience and efficiency. The living area extends outdoors with a screened-in back porch and deck, perfect for outdoor entertaining and enjoying the spacious half-acre yard. A storage shed is also included, providing extra space for tools, equipment, or seasonal items. The primary bedroom suite is well-sized and includes an en-suite bathroom and walk-in closet. The two additional bedrooms are located on the main level and share an updated full bathroom. The home’s one-story layout also includes a spacious FROG with a closet, offering a fourth bedroom or additional living space. The home has been well maintained with several key updates. The HVAC unit was replaced in October 2021, a new roof was installed in March 2023, and the hot water heater was replaced in October 2022. The current owners also updated the flooring throughout the main living areas and downstairs bedrooms to waterproof laminate flooring. In addition, the home was painted in November 2024. The seller is also offering a 14 month home warranty for additional peace of mind. Residents of this community have access to a variety of amenities, including tennis courts, a pool, and a playground, perfect for active lifestyles and family enjoyment. This home is truly turn-key, with numerous recent updates, spacious living areas, and a fantastic outdoor space.
Source: COLUMBIASC #597348
Interest rate and monthly payment estimated based on public records.
Source: COLUMBIASC #597348
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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 580, 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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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 580, 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.
MLS ID: #597348
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.