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3302 Via Tonga, San Diego, CA 92154

3 beds · 2 baths · 1,158 sqft

This highly desirable single-story 3-bedroom, 2-bathroom condo offers exceptional privacy with only one shared wall. Unlike many other units, this home has no neighbors above or below, ensuring a peaceful and quiet living environment. Inside, you'll find a spacious and inviting living room complete with a cozy fireplace—perfect for relaxing or entertaining. The well-appointed kitchen features stainless steel appliances, providing both style and functionality. The bedrooms offer ample space and comfort, while the private patio extends your living area outdoors, creating a serene spot for morning coffee or evening relaxation. Additionally, the condo includes a one-car garage plus a dedicated parking space, making parking hassle-free. Located in a highly sought-after community, this home enjoys a prime setting with a large grassy area right in front, enhancing the sense of openness and tranquility. With its unbeatable combination of privacy, space, and location, this condo is truly a must-see!

Location
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Loan details
Home details
Size
1,158 sqft
Year built
1981
Type
Condominium
HOA dues
$290.00

Source: CRMLS #NDP2502765

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

What is Roam?

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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?

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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?

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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?

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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?

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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.

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Last updated: Apr 08, 2025 11:36 pm
Listing agent: Paulette Pfeifer
Listing provided courtesy of: socalhomeshop Inc. (760) 449-7000
Details provided by CRMLS and may not match the public record.
MLS ID: #NDP2502765
Based on information from California Regional Multiple Listing Service, Inc. as of Apr 09 2025 - 04:31 and/or other sources. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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