685 Captiva Cir, Kissimmee, FL 34741
3 beds · 3 baths · 1,512 sqft
Welcome to this beautifully maintained townhouse located at 685 Captiva Cir, Kissimmee, FL 34741, offered at $279,900. Situated in a desirable gated community, this home features 3 bedrooms and 2.5 bathrooms, offering comfort and convenience. Recent updates completed between 2021 and 2024 include new flooring on the first floor (2021) and second floor (2024), a new roof (2021), and a fully replaced HVAC system—exterior unit in 2022 and interior unit in 2020. The property boasts abundant natural light and an open concept floor plan, creating a bright and welcoming atmosphere throughout. Enjoy the advantages of exceptionally low taxes ($1,081 per year) and an affordable HOA fee of just $160 per month, enhancing affordability and overall value. The community amenities include a swimming pool and tennis court, adding even more enjoyment and convenience to your lifestyle. Conveniently located near hospitals, schools, shopping centers, and airports, this townhouse combines prime location with modern living. The property qualifies for FHA, Conventional, and VA loans, making it a convenient option for owner-occupants, vacation home buyers, or investors. This great community offers an exceptional living environment and the home is move-in ready, perfect for anyone seeking a well-maintained property.
Source: STELLAR #S5123651
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.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #S5123651
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.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.