Gourmet kitchen with a waterfall quartz island and gas cooking at 3572 13th St NW #2, Columbia Heights, Washington DC

Columbia Heights · Washington, DC · MLS DCDC2261820

Assume a 2.625% VA loan on a renovated Columbia Heights condo.

“For a VA-eligible buyer who can bridge the equity gap, the monthly math on this one is not close — about $2,005 a month less than new financing on the same house.”

$849KList Price
3 / 2.5Bed / Bath
1,493Sq Ft
Text to Schedule a Showing(301) 357-1170

Address

3572 13th St NW #2

Neighborhood

Columbia Heights

Year Renovated

2021

Condo Fee

$250 / mo

The Story

A rare combination of value and rate.

Set on a quiet, tree-lined stretch of 13th Street NW, this upper-level, two-story residence offers the space and feel of the top half of a fully renovated DC rowhome — bright, refined, and thoughtfully designed for modern city living.

The main level opens with a sun-filled living room and a striking gourmet kitchen anchored by a full waterfall quartz island, gas cooking, stainless steel appliances, and clean-lined cabinetry. A dedicated dining area offers a rare functional bonus — direct rear access to the shared outdoor space and private parking.

Upstairs, two well-proportioned bedrooms at the front and center function as true sleeping spaces, home offices, or guest rooms. Laundry is thoughtfully located on the bedroom level. The primary suite — tucked at the rear — features abundant natural light, two spacious reach-in closets, and a spa-inspired bath with double vanity, custom walk-in shower, and skylight.

Beyond the renovation: private covered off-street parking accessed from the rear alley with a dedicated Tesla EV charger — a genuinely rare amenity in this corridor — and a well-maintained two-unit self-managed condo association with reasonable monthly fees that include exterior maintenance, reserves, and water.

The standout opportunity: an assumable VA loan at 2.625% is available to qualified VA-eligible buyers substituting entitlement, subject to lender approval — about $2,005 per month below new financing on the same home. Not an offer of credit or a commitment to lend. Subject to lender approval.

The Numbers

Same house. Two loans.

Identical property, identical $849,000 price. The only variable is the loan you use to buy it.

Total monthly — assume this loan

$4,550

Total monthly — new VA at 6.66%

$6,555

Difference, every month

$2,005

What's Inside

Eight things that make this listing different.

The Kitchen

Gourmet, with a waterfall island.

Full waterfall quartz island, gas cooking, stainless steel appliances, pot filler, and clean-lined cabinetry. The kind of kitchen that anchors a home.

Primary Suite

A skylit spa-inspired bath.

Double vanity, custom walk-in shower, and a skylight overhead. Two spacious reach-in closets. Western light. Tucked quietly at the rear of the home.

Bedroom-Level Laundry

Right where it should be.

Stacked washer and dryer on the bedroom level — not in a basement or hallway. Convenience built into the floor plan.

Tesla EV Charging

Private covered parking with a charger.

One dedicated covered off-street parking space accessed from the rear alley. Dedicated 240V/40A Tesla EV charger conveys with the property.

Three True Bedrooms

Bedrooms that function as bedrooms.

Two well-proportioned bedrooms at the front and center work equally well as sleeping spaces, home offices, or guest rooms — paired with the primary suite at the rear.

Renovated 2021

Modern systems in a 1911 home.

Engineered hardwood flooring, modern HVAC with high-efficiency electric cooling, double-pane energy-efficient windows, and a fully reimagined floor plan.

Outdoor Access

A private rear patio.

The dining area offers direct rear access to a shared outdoor space and the private parking area — a rare functional bonus for an upper-level unit.

Self-Managed Condo

$250/month, two units.

A well-maintained two-unit condo association with reasonable monthly fees that include exterior building maintenance, reserve funds, and water. No property manager overhead.

The Financing Wedge

An assumable VA loan at 2.625%.

With market rates near 6.66%, a VA-eligible buyer who assumes this loan pays about $2,005 less every month than the same buyer financing the same house new — and builds equity roughly three times faster in year one.

How assumption works here

VA loan assumption lets a VA-eligible buyer take over the seller's existing VA mortgage at its original rate, terms, and remaining balance instead of originating a new loan at today's rates. The balance here is approximately $815,000 at 2.625%, with roughly 25 years remaining. The servicer is PenFed.

The buyer brings the gap between the $849,000 price and the loan balance — about $34,000 in cash, plus standard closing costs and DC recordation tax. That gap is not financed by the assumption. The VA assumption funding fee is 0.5% of the balance, roughly $4,075, against 2.15%–3.3% on a new VA loan.

The buyer must be VA-eligible and substitute their own entitlement. VA loans can technically be assumed by any qualified buyer. This one cannot. The seller is releasing his entitlement to use on his next purchase, and that only happens if the assuming buyer substitutes theirs in its place. Release of liability and substitution of entitlement are two separate approvals and the seller needs both. The buyer also has to qualify with PenFed on credit and income, and VA's owner-occupancy certification applies.

Assumptions are processed by the servicer rather than a retail loan officer and run longer than a normal approval. Build 90+ days of contingency into any contract and confirm the current timeline with PenFed before writing.

The monthly math

Assuming this loan: principal and interest of approximately $3,631, plus $619 property tax, $250 condo fee, and an estimated $50 HO-6 premium — about $4,550 per month, all in.

New VA financing on the same property at 6.66% with the funding fee financed: principal and interest of approximately $5,636, or about $6,555 per month all in. New FHA runs about $6,658; conventional with 10% down about $5,830.

The difference against new VA is $2,005 every month — roughly $120,317 in payment savings over five years, with about $63,800 in additional equity built over the same period, because at 2.625% only about 49% of the first payment goes to interest versus roughly 82% on a new loan.

Not an offer of credit or a commitment to lend. Subject to lender approval. All figures are estimates and calculations, not lender quotes. New-loan columns priced at 6.66% (Freddie Mac PMMS 30-year fixed average, week ending July 30, 2026). Assumption, release of liability, and substitution of entitlement are subject to servicer and VA approval; approval is not guaranteed. Figures reflect information provided by the seller and have not been independently verified by the listing brokerage. Equal Housing Opportunity.

Inside the Home

A tour, in photographs.

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Gourmet kitchen with a waterfall quartz island and gas cooking at 3572 13th St NW #2, Columbia Heights, Washington DC

16 photos · tap a photo to view it full screen. Photos marked “virtually staged” show digitally added furniture; furnishings do not convey and are shown for scale and layout only.

Frequently Asked Questions

What buyers are asking.

What is the asking price for 3572 13th St NW #2?

3572 13th St NW #2 is listed at $849,000. A VA-eligible buyer assuming the existing 2.625% loan brings approximately $34,000 in cash to bridge the gap between the price and the roughly $815,000 loan balance, plus standard closing costs.

Is the VA loan at 3572 13th St NW #2 really assumable at 2.625%?

Yes. The existing VA loan carries a 2.625% fixed rate with approximately $815,000 remaining and roughly 25 years left on the term, and it is assumable by a qualified VA-eligible buyer who substitutes entitlement, subject to lender approval. Total monthly cost including taxes, insurance, and the condo fee is approximately $4,550 — about $2,005 per month below new VA financing on the same property at 6.66%. Not an offer of credit or a commitment to lend. Subject to lender approval.

How does VA loan assumption work?

VA loan assumption allows a VA-eligible buyer to take over the seller's existing VA mortgage at the original interest rate, terms, and remaining balance instead of taking out a new loan at current market rates. On this property the buyer must be VA-eligible and must substitute their own entitlement — the seller is releasing his entitlement to use on his next purchase, and that requires substitution, not just release of liability. The buyer must also qualify with the servicer, PenFed, on credit and income. The buyer covers the gap between the $849,000 price and the roughly $815,000 loan balance — about $34,000, plus closing costs — in cash at closing. Assumptions are processed by the servicer and take longer than a standard approval; plan on 90 or more days of contingency and confirm the current timeline with PenFed before writing. Not an offer of credit or a commitment to lend. Subject to lender approval.

Can I assume this loan if I am not VA-eligible?

No. VA loans can technically be assumed by non-veteran buyers, but not this one. The seller is releasing his VA entitlement so he can use it on his next purchase, which requires the assuming buyer to substitute their own entitlement. A buyer without VA eligibility would leave the seller's entitlement tied to the loan until payoff. Buyers who are not VA-eligible are welcome to purchase at the list price using cash, conventional, FHA, or new VA financing — they simply cannot take over the existing loan.

How many bedrooms and bathrooms does 3572 13th St NW #2 have?

The condo has 3 bedrooms and 2.5 bathrooms (2 full baths and 1 half bath) across 1,493 square feet on two levels.

When was 3572 13th St NW #2 renovated?

The property was fully renovated in 2021 as part of a two-unit condo conversion of the original 1911 row home. The renovation includes a gourmet kitchen with waterfall quartz island, gas cooking, stainless steel appliances, a skylit primary bath with double vanity and walk-in shower, engineered hardwood flooring, and modern HVAC.

Does 3572 13th St NW #2 have parking?

Yes. The unit conveys with one private covered off-street parking space accessed from the rear alley. The parking space includes a dedicated Tesla EV charger on a 240V/40A circuit. Private parking with EV charging is a rare amenity in Columbia Heights, DC.

How close is 3572 13th St NW #2 to the Metro?

The Columbia Heights Metro Station (Green and Yellow lines) is approximately a 10-minute walk from the property. The DC USA shopping complex with Target, Best Buy, and Bed Bath & Beyond is also within the same 10-minute walking radius.

What is the monthly condo fee at 3572 13th St NW #2?

The monthly condo fee is $250. This includes water, exterior building maintenance, and reserve funds contributions. The association is a self-managed two-unit condominium (Kindred III Condominiums) with no property manager.

Are pets allowed at 3572 13th St NW #2?

Yes, pets are allowed at the property on a case-by-case basis as determined by the condo association.

How do I schedule a tour of 3572 13th St NW #2?

To schedule a private tour, contact Edward Dumitrache, the listing agent, at (301) 357-1170 or email [email protected]. Showings are available by appointment with 1-hour notice.

Who is the listing agent for 3572 13th St NW #2?

Edward Dumitrache is the listing agent. He is a REALTOR® with Pearson Smith Realty, licensed in DC, MD, and VA. Contact: (301) 357-1170 or [email protected].

What is the school district for 3572 13th St NW #2?

The property is in the District of Columbia Public Schools district. The assigned elementary school is Bruce-Monroe Elementary School at Park View, middle school is Raymond Education Campus, and high school is Cardozo Education Campus.

Edward Dumitrache, REALTOR® with Pearson Smith Realty

Your Listing Agent

Edward Dumitrache, REALTOR®

Licensed in DC, MD, and VA with Pearson Smith Realty. Local expertise. Real results. Zero runaround.

Call or Text

(301) 357-1170

Email

[email protected]

About Edward

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Private tours, by appointment.

Send a DM, give a call, or send an email. I'll get back to you within the hour during business hours, and the same day otherwise.

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List price: $849,000