A rare opportunity for qualified buyers (doesn't have to be a veteran) to assume a 2.25% VA loan for $325,000 of the purchase price, which gives you the mortgage payment of a $450,000 property. This freshly painted, fully furnished mountain retreat in the sought-after Cross Creek community blends refined craftsmanship with everyday ease. Antique oak floors, custom millwork, and a native stone fireplace create timeless warmth, while the chef's kitchen shines with KitchenAid appliances, a professional gas range, walk-in pantry, and a breakfast-bar island. The primary suite is a true escape, featuring a spa-inspired bath, double vanities, and a spacious walk-in closet. Built-in shelving in the bedrooms and living room add character and smart storage. Enjoy two screened porches-one with a fireplace and gym setup-and a firepit patio with seasonal views of the mountains and Lake Santeetlah. Fiber optic and Starlink keep you connected, and the finished basement, attic storage, and included second lot offer endless flexibility for future expansion. Cross Creek's clubhouse, pool, tennis and pickleball courts, plus boat storage round out the resort lifestyle.