VA loan
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VA loan
$359,000 SIGNIN

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5955 Ashton Woods Cir, Milton, FL 32570

3 beds · 2 baths · 2,026 sqft

This all brick 2,026 SF 3 bedroom 2 bathroom home with side entry garage and solar panels is move in ready just waiting for you. The home is located in peaceful Ashton Woods just North of Highway 90 in Milton. It boasts many updates including luxury vinyl plank (LVP) throughout as well as updated fixtures is most every room. Bedrooms and Great room also have ceiling fans. The great room has a 12 foot ceiling, French doors to the patio, wood burning fireplace and it is open to the kitchen and breakfast area. The kitchen has had updates and includes a backsplash, white painted cabinets and stainless steel appliances including refrigerator. There is a breakfast room as well as a separate dining room that could double as many uses. The master bedroom is a good size and has a bathroom with a large walk-in closet, double sinks in a white painted cabinet, separate shower, water closet and a garden tub. The additional bedrooms both have double closets. The additional bathroom has a standard tub and shower combo and white cabinet. The laundry room comes with a washer and dryer and the house is all electric and is equipped with hurricane window protection. The yard is a great size and includes three newer well built yard buildings with metal roofing, drive through doors on one and a roll up door on all three. The home is located conveniently to hospital and clinics, schools, shopping and anything else you may need. Come see it before someone beats you to it.

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

$1,200
$1,653
You may also save up to $138,942 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 $1,653 monthly payment

Financed
SIGNIN
Location
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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
$1,200
Principal & interest
$769
Mortgage insurance
-
Property taxes
$105
Home insurance
$326
HOA fees
-
Utilities
Not included

Source: Public records

Home details
Size
2,026 sqft
Year built
2006
Type
Single Family Residence
HOA dues
$0.00

Source: PENSACOLA #659570

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 24, 2025 12:03 pm
Listing agent: Glen "douglas" Lisenbee (850) 982-7339
Listing provided courtesy of: Maritime Realty (850) 982-7339
Details provided by PENSACOLA and may not match the public record.
MLS ID: #659570
The data relating to real estate for sale on this website comes in part from the Internet Data exchange (IDX) program of Pensacola Association of REALTORS®, Inc. IDX 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. Real estate listings held by brokerage firms other than Roam Brokerage, LLC are governed by the PAR Rules and Regulations and detailed information about them includes the name of the listing companies. Information herein is believed to be accurate and timely, but no warranty as such is expressed or implied. Copyright © 2025 Pensacola Association of REALTORS®, Inc. All Rights Reserved.
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$1,200
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