1 of 41

4249 SW Whitebread Rd, Port Saint Lucie, FL 34953

3 beds · 2 baths · 1,974 sqft

Concierge

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

Welcome home! HOME HAS AN ASSUMABLE INTEREST RATE OF 2.9%. Step into a place where modern style meets genuine warmth. This 2021 CBS home features 3 inviting bedrooms, 2 pristine bathrooms, and a den that provides the perfect flex space for a home office, playroom, or creative retreat. Step inside to beautiful luxury vinyl flooring throughout, an open and inviting layout, and a kitchen designed for both style and function--featuring white shaker cabinets, sleek black fixtures, and stainless steel appliances. Outside, the fully fenced backyard with a white vinyl privacy fence creates the perfect space for entertaining, relaxing, or letting kids and pets play freely. Nestled in a prime location near I-95, the Turnpike, shopping, and restaurants, this home isn't just move-in ready--

Location
Use two fingers to move the map
Loan details
Monthly payment

All values shown are estimated costs / mo.

Total
$1,796
Principal & interest
$1,054
Mortgage insurance
-
Property taxes
-
Home insurance
-
HOA fees
-
Utilities
Not included

Source: Public records

Home details
Size
1,552 sqft
Lot size
10454.0 square feet
Year built
2021
Type
Single Family Residence
HOA dues
$0.00

Source: BEACHES #R11062105

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 04, 2025 05:11 am
Listing agent: Amanda Marie Hollmeyer (772) 607-3458
Listing provided courtesy of: Premier Brokers International (561) 855-6179
Details provided by BEACHES and may not match the public record.
MLS ID: #R11062105
All listings featuring the BMLS logo are provided by Beaches MLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright 2025 Beaches Multiple Listing Service, Inc. Information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The listing broker's offer of compensation is made to participants of BeachesMLS, where the listing is filed, as well as participants of MLSs participating in MLSAdvantage or a data share with BeachesMLS.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.