VA loan
1 of 51
VA loan
$625,000 SIGNIN

Sign in to see required down payment for the 2.5% rate

4310 Wellbrook Ct, Douglasville, GA 30135

5 beds · 4 baths · 3,806 sqft

Concierge

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

SO. MUCH. SWIMMING! It starts with your own personal Margaritaville in your private, gated backyard. The screened-in porch out back with palm frond ceiling fan will let you eat, drink, watch tv, and be merry while you stay cool in the shade. Then head out to your own private resort-style saltwater pool with waterfall, hot tub, and custom landscaping for endless sunning and swimming enjoyment…or into the party basement for the other pool (billiards – pool table stays!), built-in bar with sink and refrigerator, games, movie room, and guest bedroom and bathroom. If you want a change of scenery, the prestigious Chapel Hills Golf and Country Club HOA offers FOUR amenity areas for your enjoyment, including golf/swim/tennis. You’ll never want to go inside, but don’t worry - the main interior of this 1.5 story home is just as luxurious. Cortec 6” plank non-scratch waterproof flooring and two-story foyer welcome you into an office/den with lighted built-ins, formal dining room with large picture window, 2-story family room with gas-starting fireplace, half bath, and laundry room w utility sink. The kitchen features granite counters, breakfast bar, updated appliances, breakfast nook and natural light galore. Your master-on-the-main with trey ceiling overlooks that backyard oasis with en suite bathroom, walk-in shower, jacuzzi tub, dual vanity, stained glass window, and custom tile. Head upstairs to three more spacious bedrooms and one large bathroom with double vanity. There’s storage galore for all those seasonal decorations and party supplies, and a spacious double garage plus parking pads for your guests attending pool parties. Last, but certainly not least, this home boasts an ASSUMABLE VA LOAN WITH A 2.25% INTEREST RATE (Veteran must have full VA Entitlement for $405k assumption and use designated lenders and attorney for both assumption and secondary mortgage. 45-75 day timeframe for assumption once application packet is complete).

Estimated
Seller's interest rate
2.5%
7%
Estimated
Monthly payment

$2,341
$3,393
You may also save up to $323,099 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.

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 $3,393 monthly payment

Financed
SIGNIN
Location
Use two fingers to move the map
Loan details
Loan type
VA
Rate
2.5%
Remaining term
25 yrs and 7 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$2,341
Principal & interest
$1,788
Mortgage insurance
-
Property taxes
$165
Home insurance
$333
HOA fees
$54
Utilities
Not included

Source: Public records

Home details
Size
3,806 sqft
Lot size
0.4774 acres
Year built
1993
Type
Single Family Residence
HOA dues
$54.17

Source: FMLS #7557287

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: Apr 30, 2025 11:52 pm
Listing agent: Alisha Houston
Listing provided courtesy of: Weichert, Realtors - The Collective (404) 848-0996
Details provided by FMLS and may not match the public record.
MLS ID: #7557287
Listings on this website come from the FMLS IDX Compilation and may be held by brokerage firms other than the owner of this website. The listing brokerage is identified in any listing details. Information is deemed reliable but is not guaranteed. If you believe any FMLS listing contains material that infringes your copyrighted work, please visit https://www.fmls.com/dmca.htm to review our DMCA policy and learn how to submit a takedown request. © 2025 FMLS.
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$2,341
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