8519 Century Oak Ct, Fairfax Station, VA 22039
4 beds · 4 baths · 3,224 sqft
Stunning Crosspointe Home on a Cul-de-Sac w/ Assumable VA Loan at 2.25% for Buyers with VA Eligibility! Nestled in the highly sought-after Crosspointe community, this beautifully updated 4-bedroom, 3.5-bath home with a 2-car garage offers exceptional living space, modern upgrades, and a resort-like backyard. Situated on a quiet cul-de-sac, this home boasts hardwood floors throughout—no carpet anywhere! The updated kitchen features a new tile floor, while the luxurious primary bath showcases a Jacuzzi tub and separate shower. The spacious living area is anchored by a gas fireplace with remote control, and the freshly painted interior (March 2025) gives the home a bright, move-in-ready feel. Thoughtful updates provide peace of mind, including a new water heater (2020), new dishwasher (2020), and an HVAC system with a built-in humidifier. The washer and dryer are conveniently located on the bedroom level (2022), and the garage includes an additional refrigerator. The roof features covered gutters and improved drainage, ensuring low-maintenance living. Step outside to your private backyard oasis, featuring a newly crafted hand-cut stone patio with a built-in bench and fire pit—ideal for both entertaining and unwinding. Plus, a gas grill connected to the home's gas line is included! The Wi-Fi-enabled in-ground irrigation system (2022) ensures the beautifully maintained lawn stays lush all season long. Additional homeowner upgrades include a fully remodeled basement featuring a custom bar, an updated bathroom, durable LVP flooring, and a bonus room—perfect for a guest suite, home gym, or office. A newly updated hall bath upstairs, a new front walkway (hand-cut stone), and new lighting throughout (2025) enhance the home’s charm and functionality. Prime Location & Community Amenities: Living in Crosspointe means access to two pools, tennis courts, basketball courts, tot lots, and two scenic ponds. The Fairfax County trail system runs throughout the neighborhood, offering paved biking, walking, and jogging paths with direct access to Lake Mercer, Burke Lake, and South Run Rec Center. Conveniently located just minutes from I-95, Route 123, Fairfax County Parkway, VRE, and the Springfield Metro, this home offers an easy commute while being close to shopping, dining, and entertainment. Zoned for top-rated Silverbrook Elementary, South County Middle, and South County High School. This meticulously maintained home offers the perfect blend of comfort, convenience, and luxury. Schedule your private showing today!
Source: BRIGHT #VAFX2231214
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #VAFX2231214
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.