VA loan
1 of 33
VA loan
$500,000 SIGNIN

Sign in to see required down payment for the 3.6% rate

733 Austin Pl, Saint Johns, FL 32259

4 beds · 3 baths · 2,249 sqft

Concierge

Get a free consultation call with an expert in the mortgage assumption process.

Welcome Home. **Interior has been completely repainted, photos do not depict.** This stunning 4-bedroom, 3-bathroom single-family home nestled within the highly sought-after Julington Creek Plantation is meticulously maintained and offers the perfect blend of comfort, style, and convenience. The heart of this home is its gourmet kitchen, equipped with ample counter space, and beautiful cabinetry, this culinary haven is perfect for preparing delicious meals for family and friends. The spacious primary suite is a true retreat, featuring an en-suite bathroom with a separate shower and soaking tub. The three additional bedrooms provides ample space for family members or guests. Step outside to your private backyard oasis, an ideal setting for outdoor entertaining. The private yard is perfect for family gatherings, barbecues, or simply relaxing. Julington Creek Plantation offers amazing amenities to enhance your lifestyle. Don't miss this incredible opportunity to own a piece of paradise.

Estimated
Seller's interest rate
3.6%
7%
Estimated
Monthly payment

$2,260
$2,863
You may also save up to $177,170 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 $2,863 monthly payment

Financed
SIGNIN
Location
Use two fingers to move the map
Loan details
Loan type
VA
Rate
3.6%
Remaining term
24 yrs and 6 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$2,260
Principal & interest
$1,545
Mortgage insurance
-
Property taxes
$214
Home insurance
$454
HOA fees
$46
Utilities
Not included

Source: Public records

Home details
Size
2,249 sqft
Lot size
0.21 acres
Year built
2001
Type
Single Family Residence
HOA dues
$46.67

Source: REALMLS #2060314

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: May 17, 2025 12:36 pm
Listing agent: Anthony Stroud (904) 624-2743
Listing provided courtesy of: NAVY TO NAVY HOMES LLC (904) 900-4766
Details provided by REALMLS and may not match the public record.
MLS ID: #2060314
The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Everystate are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers.
Data provided is deemed reliable but is not guaranteed. The data relating to real estate for sale on this website comes in part from the Northeast Florida Multiple Listing Service, Inc. The information being provided is 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. Information deemed reliable but not guaranteed. Copyright © 2025 Northeast Florida Multiple Listing Service, Inc. All Rights Reserved.
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$2,260
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