VA loan
1 of 44
VA loan
$750,000 SIGNIN

Sign in to see required down payment for the 3.5% rate

45397 Daveno Sq, Sterling, VA 20164

3 beds · 5 baths · 2,698 sqft

This modern beauty truly shines with all the bells and whistles! This like-new, modern, and stylish Stanley Martin luxury townhouse is ready for you to call home sweet home! Boasting nearly 2,700 square feet of deluxe craftsmanship across four spacious levels, this home offers 3 bedrooms—with the potential for a fourth on the top floor—and three full and two half baths. The main level features a chef’s dream kitchen with quartz countertops, a custom backsplash, double ovens, a separate cooktop, recessed lighting, and a built-in microwave. The expansive island provides plenty of seating, perfect for casual meals or entertaining. For more formal sit down dinners, enjoy the spacious adjacent dining area, complete with a built-in china cabinetry for stylish and seamless storage. The custom built-ins, with integrated office space, pull out pantry storage, and beverage fridge, continue into the inviting family room, which opens with a slider to one of two spacious outdoor retreats. Upstairs, the continuous flooring continues into the primary bedroom suite offering a beautifully appointed en suite bath with a walk-in bench/shower and upscale tiled flooring. The walk-in closet provides ample storage for two. Two additional bedrooms offer ceiling fans and upgraded window coverings that convey with the sale. Plus, bedroom-level laundry makes laundry day a breeze! But wait—there’s more! Continue to the top-level loft, a space everyone will want to claim as their own. Outfitted for fun, this level includes a custom dry bar with a dual-tap kegerator and wine fridge, making it the perfect hangout space—especially when paired with the private rooftop deck. Whether you’re entertaining or relaxing, this expansive area offers privacy and versatility. Want to convert it into a fourth bedroom? Just add a door for extra privacy—Greg Brady would be jealous! On the lower level, you’ll find the perfect spot for a home office, recreation room, or even a guest suite, complete with a full bath, walk-out access to the fenced & gated rear yard with paver patio and built in raised planter boxes, and a two car garage with built in above head and integrated storage areas. All this comes with a low HOA fee (no condo fees here!) that covers the play area, snow removal, common area maintenance, and trash service. Location is key: Frequent travelers will appreciate the short commute to Dulles Airport, and getting around is easy with proximity to three Metro stations and major commuter routes including Route 7, Route 28, and Route 267. Plus, enjoy plenty of shopping and dining options just minutes away. Don’t miss your chance to make this stunning (better than new) house your new home! Open Saturday 4/19 12-2! See you then!

Estimated
Seller's interest rate
3.5%
7%
Estimated
Monthly payment

$3,520
$4,590
You may also save up to $316,731 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 $4,590 monthly payment

Financed
SIGNIN
Location
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Loan details
Loan type
VA
Rate
3.5%
Remaining term
24 yrs and 8 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$3,520
Principal & interest
$2,629
Mortgage insurance
-
Property taxes
$540
Home insurance
$256
HOA fees
$94
Utilities
Not included

Source: Public records

Home details
Size
2,698 sqft
Lot size
0.04 acres
Year built
2019
Type
Townhouse
HOA dues
$94.00

Source: BRIGHT #VALO2092404

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 25, 2025 05:22 am
Listing agent: Pamela Gillin (571) 236-0787
Listing provided courtesy of: RE/MAX Gateway (703) 754-1770
Details provided by BRIGHT and may not match the public record.
MLS ID: #VALO2092404
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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$3,520
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