VA loan
1 of 39
VA loan
$647,500 SIGNIN

Sign in to see required down payment for the 3% rate

4562 Tribute Trl, Kissimmee, FL 34746

4 beds · 3 baths · 2,655 sqft

INCREDIBLE GEM! Your storybook lifestyle near Disney attractions, the Orlando airport, and The LOOP shopping center awaits at Storey Lake! This 4-bedroom single family home ALL ON ONE FLOOR sits in a gate-protected community. The home enjoys a premium lot with rare features in the neighborhood, including water views from the back yard, and a 3-car garage with 3-car paved driveway, allowing you to park at least 6 vehicles. A great convenience for your guests. A charming covered front porch greets you on your way to the entry. Enjoy a wide open floor plan, connecting your palatial living room, spacious chef’s kitchen and dining hub, so everyone is in on the action. This home boasts high end finishes such as luxury tile, plantation shutters, and crown molding. Your kitchen features tall cabinets with crown, stainless steel appliances, tile backslash, and a sizable walk-in pantry. There is a split floor plan for the bedrooms, giving the primary bedroom privacy. You’ll fall in love with the massive dressing room closet. And your primary bathroom has a walk-in shower separate from a nice sized tub, and dual undercount sinks with large mirrors. The guest bathrooms also have updated light fixtures. The luxurious 3 car garage has Kintetico brand water softener and new electrical box installed for the home. The sliding glass doors in the living room lead out to the screened patio with amble room for seating to enjoy the tranquil views of the pond behind the home. There is partially fenced grass space, and a covered summer kitchen which conveys with the high end Paradise Grill. Rain gutters are installed with French drain on both sides. Security camera fixtures convey with the home. This magical home is waiting for new owners to make beautiful memories, and enjoy the proximity to all the great amenities and local attractions. Schedule a showing today! Don't Miss our video tour!

Estimated
Seller's interest rate
3%
7%
Estimated
Monthly payment

$2,821
$3,647
You may also save up to $248,511 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 $3,647 monthly payment

Financed
SIGNIN
Location
Loan details
Loan type
VA
Rate
3%
Remaining term
25 yrs and 1 mo
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$2,821
Principal & interest
$1,678
Mortgage insurance
-
Property taxes
$316
Home insurance
$588
HOA fees
$238
Utilities
Not included

Source: Public records

Home details
Size
2,655 sqft
Lot size
0.17 acres
Year built
2018
Type
Single Family Residence
HOA dues
$238.69

Source: STELLAR #O6290987

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 22, 2025 09:59 am
Listing agent: Elijah Lewis (407) 922-0587
Listing provided courtesy of: FLORIDA IN MOTION REALTY INC (407) 947-2757
Details provided by STELLAR and may not match the public record.
MLS ID: #O6290987
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2025 MLS GRID. All Rights Reserved.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.