Assumable LoanEstimated by HomeLocating
$335,000
118 Millsaps CT, Bastrop TX 78602
MLS #247438764 · Keller Williams Realty · Ginna Smith
3 bd·2 ba·1,808 sqft
Assumable Mortgage Homes in Bastrop, TX
5 active assumable mortgage homes in Bastrop, TX from $289,900 · The median list price in Bastrop is $392,990.
Estimated by HomeLocating
Assumable LoanEstimated by HomeLocating
$415,000
136 Ironbark BND, Bastrop TX 78602
MLS #247089591 · Thomas Macatee, Broker · Tom Macatee
3 bd·2 ba·1,984 sqft
Assumable LoanEstimated by HomeLocating
$289,900
309 Freshwater DR, Bastrop TX 78602
MLS #245664592 · RE/MAX Bastrop Area · Zia Lowe
4 bd·2.5 ba·1,688 sqft
Assumable LoanEstimated by HomeLocating
$324,999
327 Outfitter DR, Bastrop TX 78602
MLS #243875821 · Coldwell Banker Realty · Monica Dudeck
4 bd·3 ba·2,500 sqft
Assumable LoanEstimated by HomeLocating
$479,000
166 Salado Creek TRL, Bastrop TX 78602
MLS #241172986 · Stanberry REALTORS · Amber Vargas
4 bd·3 ba·2,535 sqft
Nearby Assumable Homes
Closest assumable-mortgage homes near Bastrop, TX, sorted nearest first.
Assumable LoanEstimated by HomeLocating
$469,999
213 River Front DR, Cedar Creek TX 78612
MLS #243892531 · Asset Realty · Dawn Imes
4 bd·2 ba·2,356 sqft
Assumable LoanEstimated by HomeLocating
$700,000
541 Hidden Oaks DR, Elgin TX 78621
MLS #244382633 · Orchard Brokerage · Ashley Coombs
5 bd·3 ba·2,356 sqft
Assumable LoanEstimated by HomeLocating
$575,000
344 & 343 Bateman RD, Red Rock TX 78662
MLS #245875336 · Pinnacle Realty Advisors · Caroline Kiefer
3 bd·1 ba·1,178 sqft
Assumable LoanEstimated by HomeLocating
$315,000
13000 Brahmin DR, Austin TX 78724
MLS #246419470 · Serhant Texas, LLC · Arion Crenshaw
4 bd·2 ba·2,101 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
Assumable LoanEstimated by HomeLocating
$625,000
610 Pleasant Grove RD, Elgin TX 78621
MLS #240169332 · Beycome Brokerage Realty LLC · Steve Koleno
5 bd·3 ba·1,937 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
$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
$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
$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
$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
$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
$440,000
5307 Ledesma RD, Austin TX 78721
MLS #234575833 · Storehouse Realty · Edwin Lui
4 bd·2 ba·1,721 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
$385,000
7120 Silver Star LN, Austin TX 78744
MLS #246804093 · AustinRealEstate.com · Monica Guerrero
3 bd·2.5 ba·1,775 sqft
Assumable LoanEstimated by HomeLocating
$389,000
11853 Gaelic DR, Austin TX 78754
MLS #234779755 · Legacy Realty LLC · Theo Shayo
5 bd·2.5 ba·2,652 sqft
Assumable LoanEstimated by HomeLocating
$199,000
1601 Faro DR #1404, Austin TX 78741
MLS #247314288 · Keller Williams Realty · Tomas Corzo
2 bd·2 ba·1,017 sqft
Assumable LoanEstimated by HomeLocating
$549,900
3604 Carla DR, Austin TX 78754
MLS #241955181 · Keller Williams Realty · Roman Lopez
4 bd·2 ba·2,300 sqft
Assumable LoanEstimated by HomeLocating
$479,000
1709 Perez ST #2, Austin TX 78721
MLS #242909398 · Kuper Sotheby's Int'l Realty · Jeff Taylor
2 bd·2.5 ba·1,093 sqft
Assumable LoanEstimated by HomeLocating
$369,000
11204 Silo Valley DR, Austin TX 78754
MLS #238485492 · All City Real Estate Ltd. Co · Jonathan Agrait
3 bd·2 ba·1,675 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
$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
$271,000
1331 Camden LN, Lockhart TX 78644
MLS #238066770 · Blue Door Real Estate Group · Rachel Clampffer
4 bd·2.5 ba·1,842 sqft
Assumable LoanEstimated by HomeLocating
$524,900
4524 Slickrock CV, Austin TX 78747
MLS #245193473 · RE/MAX GATEWAY · Michael Cossette
3 bd·3 ba·2,520 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
$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
$269,000
2404 Night Sky CV, Lockhart TX 78644
MLS #247167420 · Orchard Brokerage · Chris Schoenfeld
3 bd·2 ba·1,647 sqft
Assumable LoanEstimated by HomeLocating
$349,000
307 Abbey LN, Lockhart TX 78644
MLS #246831178 · Link Realty, LLC · Joy Pardo
4 bd·2 ba·1,748 sqft
Assumable LoanEstimated by HomeLocating
$2,599,000
210 Lavaca ST #2706, Austin TX 78701
MLS #241736989 · TX Brokers · Patrick Mullins
3 bd·3 ba·2,162 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
$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
$699,900
950 S Fm 486, Thorndale TX 76577
MLS #246727899 · Tierra Grande Realty, LLC · Julie Downs
4 bd·2 ba·3,200 sqft
Assumable LoanEstimated by HomeLocating
$359,000
512 Mulberry DR, Austin TX 78745
MLS #243849071 · Douglas Elliman Real Estate · Taylor Drolette
3 bd·2 ba·1,323 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
$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
$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
$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
$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
$462,500
10221 Buster DR, Austin TX 78748
MLS #246476356 · AustinReps, LLC · Bob McKenna
4 bd·3 ba·2,127 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
$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
$315,000
11409 Lost Maples TRL #11409, Austin TX 78748
MLS #246672505 · Coldwell Banker Realty · James Hernandez
3 bd·2.5 ba·1,922 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
$439,900
11901 Buzz Schneider LN, Austin TX 78748
MLS #243536005 · JPAR Austin · Dolunay Kosker
5 bd·3 ba·2,569 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
$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
$349,900
308 Nueces River TRL, Hutto TX 78634
MLS #240208413 · Real Broker, LLC · Leticia Rivera-Clemente
4 bd·2 ba·2,018 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
About Assumable Mortgage Homes in Bastrop, 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 Bastrop 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 Bastrop, including the kind of financing detail the big portals rarely surface.
How Buying an Assumable-Mortgage Home Works in Bastrop
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 Bastrop 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 Austin, TX →
Assumable LoanEstimated by HomeLocating
$199,000
1601 Faro DR #1404, Austin TX 78741
MLS #247314288 · Keller Williams Realty · Tomas Corzo
2 bd·2 ba·1,017 sqft
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 LoanEstimated by HomeLocating
$315,000
11409 Lost Maples TRL #11409, Austin TX 78748
MLS #246672505 · Coldwell Banker Realty · James Hernandez
3 bd·2.5 ba·1,922 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
Assumable Mortgage Homes in Kyle, TX →
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 HomeLocatingNew Construction
$231,990
135 Calcite RD #1, Kyle TX 78640
MLS #247457230 · Meritage Homes Realty · Patrick McGrath
3 bd·2.5 ba·1,755 sqft
Quick Move-InAssumable LoanEstimated by HomeLocating
$299,900
157 Lexword, Kyle TX 78640
MLS #247374615 · Orchard Brokerage · Beth Abeita
4 bd·2.5 ba·2,596 sqft