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$493,000 SIGNIN

Sign in to see required down payment for the 3.87% rate

4564 Battlecreek Way, Ave Maria, FL 34142

5 beds · 4 baths · 2,470 sqft

WELCOME HOME to this Driftwood model Pulte built home in Avalon Park. Professional pictures coming soon! Located in the heart of Ave Maria Florida, just 6/10 of mile to the center of town. This home features 5 bedrooms and 3.5 baths, a living room and loft area and a 2 car garage. The home sits on a very desirable lot with a spectacular front view of Rosary pond with the town center in the distance. The home has plenty of room for indoor and outdoor entertaining on the extended lanai. This two story home has tile throughout the 1st floor of the home except for the 1st floor bedroom. The 5th bedroom on the 1st floor and the 2nd floor have carpets. Upgrades include the extended lanai, epoxy finished garage floor, shower door in master bedroom. Enjoy outdoor activities and relaxation around the beautiful park-like open spaces & pathways across the street. Room for a pool. Local Ave Maria amenities include: South & North Parks & a water park, local dining & shopping & more. Other Collier County area amenities include golfing, community events, local beaches, nature trails & preserves, parks & much more. Come enjoy the Florida lifestyle in Ave Maria, the fastest growing community in Southwest Florida!

Estimated
Seller's interest rate
3.87%
7%
Estimated
Principal & interest
$1,710/mo.
$2,364
You may also save up to $212,585 in total interest paid.

Send questions to support@withroam.com

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 $1,710 monthly payment

Financed
SIGNIN
Location
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Loan details
Remaining term
27 yrs and 1 mo
Loan type
FHA
Rate
3.87%
Monthly P&I
$1,710
Remaining balance

Source: Public records

Home details
Size
2,470 sqft
Lot size
0.15 acres
Year built
2021
Type
Single Family Residence
HOA dues
$281.67

Source: NABOR #225002011

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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.

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 “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.

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 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.

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Last updated: Apr 02, 2025 12:24 am
Listing agent: Sharon Levesque (941) 524-1778
Listing provided courtesy of: Realty One Group MVP (800) 896-8790
Details provided by NABOR and may not match the public record.
MLS ID: #225002011
The source of this real property information is the copyrighted and proprietary database compilation of the M.L.S. of Naples, Inc. Copyright }}YEAR}} M.L.S. of Naples, Inc. All rights reserved. The accuracy of this information is not warranted or guaranteed. This information should be independently verified if any person intends to engage in a transaction in reliance upon it. The listing broker’s offer of compensation is made only to participants of the MLS where the listing is filed.
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