Assumable LoanEstimated by HomeLocating
$385,000
7120 Silver Star LN, Austin TX 78744
MLS #246804093 · AustinRealEstate.com · Monica Guerrero
3 bd·2.5 ba·1,775 sqft
Assumable Mortgage Homes in Austin, TX
11 active assumable mortgage homes in Austin, TX from $324,999 · The median list price in Austin is $529,000.
Estimated by HomeLocating
Assumable LoanEstimated by HomeLocating
$324,999
13000 Brahmin DR, Austin TX 78724
MLS #246419470 · Serhant Texas, LLC · Arion Crenshaw
4 bd·2 ba·2,101 sqft
Assumable LoanEstimated by HomeLocating
$349,900
11917 Buzz Schneider LN, Austin TX 78748
MLS #245963872 · Resident Realty, LTD. · Todd Sherman
3 bd·2 ba·1,538 sqft
Assumable LoanEstimated by HomeLocating
$399,000
2215 Post RD #1018, Austin TX 78704
MLS #245373920 · Compass RE Texas, LLC · Nancy Taute
2 bd·2 ba·977 sqft
Assumable LoanEstimated by HomeLocating
$1,695,000
16323 Lake LOOP, Austin TX 78734
MLS #245159624 · Wilder Realty LLC · Blake Wilder
5 bd·5.5 ba·4,293 sqft
Assumable LoanEstimated by HomeLocating
$344,000
11209 Drumellan ST, Austin TX 78754
MLS #241011912 · Team Price Real Estate · Steve Damman
3 bd·2.5 ba·2,020 sqft
Assumable LoanEstimated by HomeLocating
$928,000
156 Noahs CT, Austin TX 78737
MLS #241984711 · Team Price Real Estate · Jeffrey Hendricks
4 bd·3.5 ba·3,337 sqft
Assumable LoanEstimated by HomeLocating
$390,000
7809 Jackson Graham DR, Austin TX 78724
MLS #243921105 · eXp Realty, LLC · Brennan Stravlo
3 bd·2.5 ba·1,795 sqft
Assumable LoanEstimated by HomeLocating
$475,000
15109 S Flamingo DR S, Austin TX 78734
MLS #241091970 · Keller Williams Realty · Dillon Meek
3 bd·2.5 ba·2,292 sqft
Assumable LoanEstimated by HomeLocating
$765,000
130 Granite LN, Austin TX 78737
MLS #242759182 · Compass RE Texas, LLC · Kristin Kreisel
5 bd·3.5 ba·3,807 sqft
Assumable LoanEstimated by HomeLocating
$359,900
13005 Brahmin DR, Austin TX 78724
MLS #244909482 · CB&A, Realtors · Crystal Reininger
4 bd·3 ba·2,651 sqft
Nearby Assumable Homes
Closest assumable-mortgage homes near Austin, TX, sorted nearest first.
Assumable LoanEstimated by HomeLocating
$379,000
12606 Dairywork RD, Buda TX 78610
MLS #241923673 · Compass RE Texas, LLC · Jeffrey Brown
4 bd·2.5 ba·2,469 sqft
Assumable LoanEstimated by HomeLocating
$575,000
105 Birdie DR, The Hills TX 78738
MLS #247650697 · Coldwell Banker Realty · Steve Dedear
3 bd·2.5 ba·2,096 sqft
Assumable LoanEstimated by HomeLocating
$470,000
2608 Buckeye TRL, Cedar Park TX 78613
MLS #246674188 · Redfin Corporation · Andrew Vallejo
3 bd·2.5 ba·2,447 sqft
Assumable LoanEstimated by HomeLocatingNew Construction
$436,990
175 Antioch Colony DR, Buda TX 78610
MLS #246964673 · Meritage Homes Realty · Patrick McGrath
4 bd·3 ba·2,038 sqft
Quick Move-In
Assumable LoanEstimated by HomeLocating
$1,095,000
8300 Lime Creek RD, Volente TX 78641
MLS #244330332 · Nada Homes · Ken Imy
4 bd·2.5 ba·3,039 sqft
Assumable LoanEstimated by HomeLocating
$437,500
139 Ginger ST, Buda TX 78610
MLS #243278407 · Clark Real Estate Agency · Jenny Pruet
3 bd·2.5 ba·2,106 sqft
Assumable LoanEstimated by HomeLocating
$355,000
600 Smoke Signal PASS, Pflugerville TX 78660
MLS #247385208 · Keller Williams Realty · Loraine Valdes
4 bd·3.5 ba·1,644 sqft
Assumable LoanEstimated by HomeLocating
$279,000
340 Feathergrass DR, Buda TX 78610
MLS #243045314 · Compass RE Texas, LLC · Jeffrey Brown
3 bd·2 ba·1,469 sqft
Assumable LoanEstimated by HomeLocating
$265,000
13216 Desert Orchid DR, Buda TX 78610
MLS #243517885 · Orchard Brokerage · Chris Schoenfeld
3 bd·2 ba·1,375 sqft
Assumable LoanEstimated by HomeLocating
$450,000
1812 Fall Creek DR, Cedar Park TX 78613
MLS #247707862 · Col Realty · Rigo Zevada
5 bd·4.5 ba·3,931 sqft
Assumable LoanEstimated by HomeLocating
$925,000
17632 Stratus CV, Dripping Springs TX 78620
MLS #246765529 · Keller Williams - Lake Travis · Amber Hart
4 bd·3.5 ba·2,786 sqft
Assumable LoanEstimated by HomeLocating
$269,000
405 Rhetoric WAY, Pflugerville TX 78660
MLS #247421360 · Coldwell Banker Realty · Jim Mayo
3 bd·2.5 ba·1,641 sqft
Assumable LoanEstimated by HomeLocating
$450,000
14505 Kira LN, Manor TX 78653
MLS #245147046 · Keller Williams Realty · Adelina Rotar
3 bd·2 ba·2,224 sqft
Assumable LoanEstimated by HomeLocating
$305,000
319 Globe Mallow CIR, Kyle TX 78640
MLS #247501784 · Domain Realty, LLC · Garrett Trahan
3 bd·3 ba·1,521 sqft
Assumable LoanEstimated by HomeLocating
$365,000
14412 Heartland DR, Manor TX 78653
MLS #247172563 · Compass RE Texas, LLC · Deborah Maynard
4 bd·2.5 ba·2,585 sqft
Assumable LoanEstimated by HomeLocating
$363,000
164 Alamo Vine CT, Kyle TX 78640
MLS #246930039 · Providential Properties · Marilyn Boyd
4 bd·2 ba·2,069 sqft
Assumable LoanEstimated by HomeLocating
$320,000
220 Apache Plum DR, Kyle TX 78640
MLS #245289478 · All City Real Estate Ltd. Co · Chase Cangelosi
4 bd·2 ba·1,840 sqft
Assumable LoanEstimated by HomeLocating
$330,000
157 Maplewood N, Kyle TX 78640
MLS #245269707 · Domain Realty, LLC · Myung soon Lemond
4 bd·2 ba·1,960 sqft
Assumable LoanEstimated by HomeLocating
$257,900
13413 Abigail Adams ST, Manor TX 78653
MLS #245209447 · Compass RE Texas, LLC · Chelley Lenz
3 bd·2 ba·1,352 sqft
Assumable LoanEstimated by HomeLocating
$249,000
12304 Waterford Run WAY, Manor TX 78653
MLS #243489557 · Dash Realty · Ricardo Penagos
4 bd·2.5 ba·1,718 sqft
Assumable LoanEstimated by HomeLocating
$300,000
708 Timothy John DR, Pflugerville TX 78660
MLS #244233493 · TexCen Realty · David Mozingo
3 bd·2 ba·1,834 sqft
Assumable LoanEstimated by HomeLocating
$272,999
14412 Callan CT, Manor TX 78653
MLS #241839005 · Realty of America, LLC · Dawson Brewer
3 bd·2 ba·1,370 sqft
Assumable LoanEstimated by HomeLocating
$480,000
21103 Dawn DR, Lago Vista TX 78645
MLS #245954838 · RE/MAX Fine Properties · Faith Staires
3 bd·2 ba·1,622 sqft
Assumable LoanEstimated by HomeLocating
$440,000
1705 Ascot LN, Cedar Park TX 78613
MLS #244180372 · RE/MAX Temple-Belton · Becky Judkins
4 bd·3 ba·2,636 sqft
Assumable LoanEstimated by HomeLocating
$314,500
309 Treasure Trove PATH, Kyle TX 78640
MLS #246880741 · JBGoodwin REALTORS WC · Maggie Galleymore
4 bd·2 ba·1,960 sqft
Assumable LoanEstimated by HomeLocating
$259,900
13705 Sherri Berry WAY, Manor TX 78653
MLS #244561469 · Orchard Brokerage · Dan Wood
4 bd·2 ba·1,785 sqft
Assumable LoanEstimated by HomeLocating
$549,995
18029 Santa Croce DR, Pflugerville TX 78660
MLS #247377690 · Team West Real Estate LLC · Jeff Patterson
4 bd·3.5 ba·2,884 sqft
Assumable LoanEstimated by HomeLocating
$849,900
2709 Villa Capri CT, Leander TX 78641
MLS #245283242 · T J Lewis Real Estate · Lori Cabello
4 bd·3.5 ba·2,545 sqft
Assumable LoanEstimated by HomeLocating
$335,000
19104 Leigh LN, Pflugerville TX 78660
MLS #246478821 · Jorgenson Real Estate · Crystal Long
4 bd·2.5 ba·2,223 sqft
Assumable LoanEstimated by HomeLocating
$580,000
2129 Clear Lake PL, Round Rock TX 78665
MLS #247621895 · Keller Williams Realty · Adelina Rotar
5 bd·3.5 ba·3,090 sqft
Assumable LoanEstimated by HomeLocating
$249,000
164 Regent CV, Kyle TX 78640
MLS #240918760 · All City Real Estate Ltd. Co · Michelle Poremski
4 bd·2.5 ba·1,764 sqft
Assumable LoanEstimated by HomeLocating
$298,000
2402 Susan LN, Leander TX 78641
MLS #244347657 · Orchard Brokerage · Beth Abeita
3 bd·2 ba·1,368 sqft
Assumable LoanEstimated by HomeLocating
$409,999
8008 Prairie Rye DR, Lago Vista TX 78645
MLS #241624050 · Wilder Realty LLC · Blake Wilder
3 bd·2.5 ba·2,496 sqft
Assumable LoanEstimated by HomeLocating
$299,900
157 Lexword, Kyle TX 78640
MLS #247374615 · Orchard Brokerage · Beth Abeita
4 bd·2.5 ba·2,596 sqft
Assumable LoanEstimated by HomeLocating
$445,000
245 Brooks Ranch DR, Kyle TX 78640
MLS #240663280 · Pure Realty · Colbey Pfund
4 bd·4 ba·2,932 sqft
Assumable LoanEstimated by HomeLocating
$345,000
100 Corral CV, Kyle TX 78640
MLS #246782356 · TexCen Realty · David Mozingo
4 bd·2 ba·1,852 sqft
Assumable LoanEstimated by HomeLocating
$499,900
3817 Tailfeather DR, Round Rock TX 78681
MLS #244636946 · Bramlett Partners · Lindsey Pearlstein Smith
3 bd·2.5 ba·2,574 sqft
Assumable LoanEstimated by HomeLocating
$275,000
110 Brentwood DR, Leander TX 78641
MLS #241979398 · Jason Mitchell Real Estate Texas · Nick Nowak
3 bd·2 ba·1,396 sqft
Assumable LoanEstimated by HomeLocating
$450,000
1340 Castalo LN, Leander TX 78641
MLS #244219339 · LPT Realty LLC - Ascend Group · Enrique Cordova
3 bd·2.5 ba·2,052 sqft
Assumable LoanEstimated by HomeLocating
$379,900
1049 Sussex WAY, Round Rock TX 78665
MLS #244361979 · Keller Williams Realty Lone St · Bruce Rodden
4 bd·2 ba·2,179 sqft
Assumable LoanEstimated by HomeLocating
$599,000
20416 Shellduck DR, Pflugerville TX 78660
MLS #243820645 · Keller Williams Realty · Tory Ketter
5 bd·4 ba·3,638 sqft
Assumable LoanEstimated by HomeLocating
$520,000
4129 Godwit DR, Pflugerville TX 78660
MLS #246077641 · Phillips & Associates Realty · Michelle Keller
5 bd·3.5 ba·2,749 sqft
Assumable LoanEstimated by HomeLocating
$500,000
305 Painted Creek WAY, Kyle TX 78640
MLS #246005864 · eXp Realty, LLC · Camila Cavounis
5 bd·4.5 ba·3,703 sqft
Assumable LoanEstimated by HomeLocating
$595,000
404 Jackson River LOOP, Kyle TX 78640
MLS #247001764 · Compass RE Texas, LLC · Joshua Swan
4 bd·4.5 ba·2,593 sqft
Assumable LoanEstimated by HomeLocating
$629,000
3928 Cole Valley LN, Round Rock TX 78681
MLS #242135287 · Coldwell Banker Realty · Carol Zwirn
3 bd·3.5 ba·3,002 sqft
Assumable LoanEstimated by HomeLocating
$330,000
21423 Grand National Ave, Pflugerville TX 78660
MLS #246421161 · Austin Texan Realty · Maria Delgado
4 bd·2.5 ba·1,704 sqft
Assumable LoanEstimated by HomeLocating
$626,000
238 Arapaho DR, Kyle TX 78640
MLS #243966181 · Dash Realty · Sarai Mata
4 bd·3.5 ba·3,581 sqft
Assumable LoanEstimated by HomeLocating
$349,900
822 Pease River WAY, Hutto TX 78634
MLS #241172186 · Turn Key Property Group · Jeff Walker
4 bd·2 ba·1,926 sqft
Assumable LoanEstimated by HomeLocating
$495,000
101 Fort Richardson DR, Georgetown TX 78628
MLS #247650698 · Kuper Sotheby's Int'l Realty · Jordan Hernandez
3 bd·2 ba·2,320 sqft
Assumable LoanEstimated by HomeLocating
$625,000
2944 Clinton PL, Round Rock TX 78665
MLS #238986383 · Keller Williams Realty Lone Star · Robert Fischer
4 bd·3.5 ba·3,626 sqft
About Assumable Mortgage Homes in Austin, TX
An assumable mortgage is a home loan that a buyer can take over from the seller — inheriting the seller's existing interest rate, remaining balance, and repayment terms instead of taking out a brand-new loan at today's rates. When the seller locked in a rate well below current market rates, that inherited rate is the whole appeal: the buyer keeps the lower monthly payment for the life of the loan. Not every loan can be assumed. Government-backed loans — FHA, VA, and USDA — are generally assumable, while most conventional loans are not, because they carry a due-on-sale clause that requires the balance be paid off when the home changes hands. The assumable homes shown here for Austin are drawn from live MLS data and refreshed regularly, and whether a specific home's loan is truly assumable — and on what terms — is always confirmed with the seller's lender, not assumed from the listing alone. Because HomeLocating is an independent home-search platform, you get a neutral view of what's available in and around Austin, including the kind of financing detail the big portals rarely surface.
How Buying an Assumable-Mortgage Home Works in Austin
Assuming a mortgage works differently from getting your own loan, and a few things are worth understanding before you make an offer. First, you still have to qualify: the seller's lender reviews your credit and finances and must approve you to take over the loan — assumption is not automatic. Second, you typically need to cover the "equity gap" — the difference between the home's purchase price and the remaining loan balance. On a home that has gained value, that gap can be substantial, and buyers usually cover it with cash or a second loan, so it's worth calculating early. Third, timelines often run longer than a normal closing, because the lender's assumption approval is its own process — confirm expected timing in writing. With VA loans there's an added wrinkle: if a non-veteran assumes the loan, it can tie up the seller's VA entitlement, so both sides should understand that before proceeding. None of this is financial or lending advice — HomeLocating is not a lender — but it's the map of what to check. When you're ready, browse the assumable-mortgage homes available in Austin above, and reach out about any that interest you to confirm the loan details and arrange representation.
Want to know the assumable rate on a home?
Assumable loans let a buyer take over the seller's existing mortgage — often at a rate well below today's. The exact rate and remaining balance are different for every home. Ask and we'll confirm the rate & terms for the home or area you're interested in.
Frequently Asked Questions
What is an assumable mortgage?
An assumable mortgage is a home loan a buyer can take over from the seller, keeping the seller's existing interest rate, remaining balance, and repayment terms instead of taking out a new loan at current rates.
Which types of home loans are assumable?
Government-backed loans — FHA, VA, and USDA — are generally assumable. Most conventional loans are not, because they include a due-on-sale clause that requires the loan to be paid off when the home is sold. Whether a specific loan is assumable is always confirmed with the seller's lender.
What is the main benefit of assuming a mortgage?
If the seller's loan carries an interest rate below current market rates, the buyer inherits that lower rate and the lower monthly payment that comes with it — potentially saving money over the life of the loan compared with a new mortgage at today's rates.
Do I have to qualify to assume someone's mortgage?
Yes. Assumption is not automatic — the seller's lender reviews your credit and finances and must approve you to take over the loan, similar to qualifying for a new mortgage.
What is the "equity gap" when assuming a mortgage?
The equity gap is the difference between the home's purchase price and the remaining balance on the loan being assumed. The buyer generally has to cover that difference, often with cash or a second loan, so on a home that has appreciated the gap can be large.
How long does it take to assume a mortgage?
It varies by lender, but assuming a mortgage often takes longer than a standard closing because the lender's assumption approval is a separate process. Buyers should confirm the expected timeline with the seller's lender in writing.
Explore Assumable Mortgage Homes in other cities
Jump to another city’s page — a few homes from each.
Assumable Mortgage Homes in Round Rock, TX →
Assumable LoanEstimated by HomeLocating
$580,000
2129 Clear Lake PL, Round Rock TX 78665
MLS #247621895 · Keller Williams Realty · Adelina Rotar
5 bd·3.5 ba·3,090 sqft
Assumable LoanEstimated by HomeLocating
$379,900
1049 Sussex WAY, Round Rock TX 78665
MLS #244361979 · Keller Williams Realty Lone St · Bruce Rodden
4 bd·2 ba·2,179 sqft
Assumable LoanEstimated by HomeLocating
$625,000
2944 Clinton PL, Round Rock TX 78665
MLS #238986383 · Keller Williams Realty Lone Star · Robert Fischer
4 bd·3.5 ba·3,626 sqft
Assumable Mortgage Homes in Cedar Park, TX →
Assumable LoanEstimated by HomeLocating
$450,000
1812 Fall Creek DR, Cedar Park TX 78613
MLS #247707862 · Col Realty · Rigo Zevada
5 bd·4.5 ba·3,931 sqft
Assumable LoanEstimated by HomeLocating
$470,000
2608 Buckeye TRL, Cedar Park TX 78613
MLS #246674188 · Redfin Corporation · Andrew Vallejo
3 bd·2.5 ba·2,447 sqft
Assumable LoanEstimated by HomeLocating
$440,000
1705 Ascot LN, Cedar Park TX 78613
MLS #244180372 · RE/MAX Temple-Belton · Becky Judkins
4 bd·3 ba·2,636 sqft
Assumable Mortgage Homes in Pflugerville, TX →
Assumable LoanEstimated by HomeLocating
$269,000
405 Rhetoric WAY, Pflugerville TX 78660
MLS #247421360 · Coldwell Banker Realty · Jim Mayo
3 bd·2.5 ba·1,641 sqft
Assumable LoanEstimated by HomeLocating
$355,000
600 Smoke Signal PASS, Pflugerville TX 78660
MLS #247385208 · Keller Williams Realty · Loraine Valdes
4 bd·3.5 ba·1,644 sqft
Assumable LoanEstimated by HomeLocating
$549,995
18029 Santa Croce DR, Pflugerville TX 78660
MLS #247377690 · Team West Real Estate LLC · Jeff Patterson
4 bd·3.5 ba·2,884 sqft