Motivated SellerEstimated by HomeLocatingPossibly AssumableEstimated by HomeLocating from public records, not an MLS field
$395,000
247 Daniel DR, Bertram, TX 78605
MLS #241158926 · Cagle Realty Company · John Cagle
4 bd·3 ba·2,660 sqft
Assumable Mortgage Homes in Bertram, TX
3 active assumable mortgage homes in Bertram, TX from $275,000 · The median list price in Bertram is $338,450.
Estimated by HomeLocating
0 assumable · 3 possibly assumable
Assumable: the agent confirmed an assumable loan in the listing. Possibly Assumable: public records show a VA or FHA loan on file (often assumable) — ask us to confirm.
Price CutEstimated by HomeLocatingPossibly AssumableEstimated by HomeLocating from public records, not an MLS field
$784,000
155 Balcones Ridge WAY, Bertram, TX 78605
MLS #243874071 · Coldwell Banker Apex · David Glorioso
3 bd·2 ba·2,076 sqft
Motivated SellerEstimated by HomeLocatingPossibly AssumableEstimated by HomeLocating from public records, not an MLS field
$275,000
244 Western Ave, Bertram, TX 78605
MLS #241555243 · All City Real Estate Ltd. Co · Doris Graeter
3 bd·2 ba·1,165 sqft
Nearby Assumable Homes
Closest assumable-mortgage homes near Bertram, TX, sorted nearest first.
Assumable LoanEstimated by HomeLocating
$264,900
602 S Pierce ST, Burnet, TX 78611
MLS #246203220 · Moreland Properties · Becky Ode
3 bd·2 ba·1,120 sqft
Assumable LoanEstimated by HomeLocating
$920,000
129 Hamilton BR, Liberty Hill, TX 78642
MLS #243739753 · Teifke Real Estate · Luis Saenz
4 bd·3.5 ba·3,417 sqft
Assumable LoanEstimated by HomeLocating
$435,000
201 Double Mountain RD, Liberty Hill, TX 78642
MLS #245616124 · Christies Intl Real Estate Lone Star · Erica Balbay
4 bd·2.5 ba·2,772 sqft
Assumable LoanEstimated by HomeLocating
$610,000
116 Texon DR, Liberty Hill, TX 78642
MLS #244373849 · Magnolia Realty Round Rock · Heather Morstatter
4 bd·4 ba·3,032 sqft
Assumable LoanEstimated by HomeLocating
$424,900
313 Pendent DR, Liberty Hill, TX 78642
MLS #244983019 · Compass RE Texas, LLC · Robin Curle
3 bd·2.5 ba·2,250 sqft
Assumable LoanEstimated by HomeLocating
$569,000
237 Redonda DR, Liberty Hill, TX 78642
MLS #245380470 · Keller Williams Realty · Adelina Rotar
4 bd·3.5 ba·2,993 sqft
Assumable LoanEstimated by HomeLocating
$649,500
713 Judge Fisk DR, Leander, TX 78641
MLS #248799247 · Keller Williams Realty · Laurie Flood
4 bd·3 ba·3,019 sqft
Assumable LoanEstimated by HomeLocating
$342,000
224 Serpens ST, Georgetown, TX 78628
MLS #242649498 · Realty Texas LLC · Jack Stapleton
4 bd·2.5 ba·2,108 sqft
Assumable LoanEstimated by HomeLocating
$349,900
144 Riverhill DR, Georgetown, TX 78628
MLS #247359594 · Dave Dacko · Alexandra Lagmanson
3 bd·2 ba·1,463 sqft
Assumable LoanEstimated by HomeLocating
$895,000
301 Somerset Hills DR, Georgetown, TX 78633
MLS #247305951 · eXp Realty, LLC · Lolita Doll
4 bd·2.5 ba·2,786 sqft
Assumable LoanEstimated by HomeLocating
$350,000
503 Chantilly LN, Spicewood, TX 78669
MLS #244002404 · Classic Realty · Jackie Huff
3 bd·2 ba·1,322 sqft
Assumable LoanEstimated by HomeLocating
$588,000
1005 Rollingwood TRL, Georgetown, TX 78633
MLS #248149682 · Full Circle RE · Ram Ganapathy
4 bd·3.5 ba·3,210 sqft
Assumable LoanEstimated by HomeLocating
$364,500
2333 Four Waters LOOP, Georgetown, TX 78628
MLS #242672638 · Coldwell Banker Realty · Tinnieh Guajardo
4 bd·3 ba·1,966 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
$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
$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
$570,000
1304 Snowdrop DR, Georgetown, TX 78628
MLS #246447713 · Serhant Texas, LLC · Arion Crenshaw
4 bd·3 ba·2,898 sqft
Assumable LoanEstimated by HomeLocating
$430,000
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
$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
$474,900
1113 Mulberry Oak LN, Georgetown, TX 78628
MLS #246354927 · All City Real Estate · Rhonda Cote Parsons-Cote
4 bd·2 ba·2,079 sqft
Assumable LoanEstimated by HomeLocating
$350,000
110 Lakewood DR, Burnet, TX 78611
MLS #238990832 · KW-Austin Portfolio Real Estate · Kelsey Osborne
5 bd·2 ba·1,752 sqft
Assumable LoanEstimated by HomeLocating
$269,000
4300 Prong Horn, Horseshoe Bay, TX 78657
MLS #222757458 · eXp Realty LLC · Valerie Kelly
3 bd·2 ba·1,860 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
$860,000
174 Estrella XING, Georgetown, TX 78628
MLS #244628452 · eXp Realty, LLC · Lindey Hixson
4 bd·3 ba·3,583 sqft
Assumable LoanEstimated by HomeLocating
$975,000
303 Left LN, Horseshoe Bay, TX 78657
MLS #238701439 · Pilgreen Properties · Tari Pilgreen
4 bd·3.5 ba·3,940 sqft
Assumable LoanEstimated by HomeLocating
$899,900
124 Silverwood TRL, Georgetown, TX 78628
MLS #247011668 · eXp Realty, LLC · Soomin Kim
4 bd·4 ba·3,866 sqft
Assumable LoanEstimated by HomeLocating
$485,000
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
$850,000
15004 Iveans WAY, Austin, TX 78717
MLS #248677656 · All City Real Estate Ltd. Co · Kiran Kota
4 bd·3 ba·3,044 sqft
Assumable LoanEstimated by HomeLocating
$309,000
219 Wind Ridge DR, Copperas Cove, TX 76522
MLS #246412854 · Realty One Group Prosper · Laura O'Brien
4 bd·3 ba·1,838 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
$550,000
1309 Daylily LOOP, Georgetown, TX 78626
MLS #246299143 · Deal Smith Realty LLC · Jeff Sparacio
4 bd·2.5 ba·2,824 sqft
Assumable LoanEstimated by HomeLocating
$315,000
153 Blue Agate CT, Jarrell, TX 76537
MLS #239766390 · Sphere Realty · Kristy Navarrette
3 bd·2.5 ba·2,039 sqft
Assumable LoanEstimated by HomeLocating
$329,900
236 Blue Agate CT, Jarrell, TX 76537
MLS #239287226 · Pinnacle Realty Advisors · Trey Anderson
3 bd·2.5 ba·2,011 sqft
Assumable LoanEstimated by HomeLocating
$379,000
116 Hares Foot CV, Georgetown, TX 78626
MLS #245227987 · Realty Texas LLC · Oksana West
3 bd·2.5 ba·2,121 sqft
Assumable LoanEstimated by HomeLocating
$379,990
201 Connor LN, Georgetown, TX 78626
MLS #246253656 · Peak Real Estate Advisors LLC · Alfonso Rodriguez
4 bd·2 ba·1,927 sqft
Assumable LoanEstimated by HomeLocating
$359,999
133 Konik RD, Georgetown, TX 78626
MLS #243307933 · Compass RE Texas, LLC · Rachael Jones
4 bd·3 ba·2,043 sqft
Assumable LoanEstimated by HomeLocating
$349,900
813 Cade CV, Georgetown, TX 78626
MLS #244333180 · Beycome Brokerage Realty LLC · Steve Koleno
4 bd·2 ba·1,900 sqft
Assumable LoanEstimated by HomeLocating
$2,999,990
4300 Derrick CV, Spicewood, TX 78669
MLS #247662069 · Keller Williams Realty · Kasey Dalby
5 bd·5 ba·6,453 sqft
Assumable LoanEstimated by HomeLocating
$465,000
15109 S Flamingo DR S, Austin, TX 78734
MLS #248874398 · Keller Williams Realty · Dillon Meek
3 bd·2.5 ba·2,292 sqft
Assumable LoanEstimated by HomeLocating
$205,000
424 Marty Allen LOOP, Jarrell, TX 76537
MLS #246610303 · Magnolia Realty Round Rock · Alyssa Roesner
3 bd·2.5 ba·1,462 sqft
Assumable LoanEstimated by HomeLocating
$225,000
224 Bauxite DR, Jarrell, TX 76537
MLS #248018007 · Pure Realty · Katelyn Moquett
3 bd·2 ba·1,330 sqft
Assumable LoanEstimated by HomeLocating
$224,500
212 Hyacinth WAY, Jarrell, TX 76537
MLS #245550923 · ERA Brokers Consolidated · Ashley Swallow
3 bd·2 ba·1,536 sqft
Assumable LoanEstimated by HomeLocating
$290,000
165 Hugh DR, Killeen, TX 76542
MLS #246328259 · Keller Williams Realty C. P. · Keishla Gonzalez- Hernandez
4 bd·2 ba·1,665 sqft
Assumable LoanEstimated by HomeLocating
$220,000
470 Major Lee LN, Jarrell, TX 76537
MLS #239633490 · eXp Realty, LLC · Nicholas Himes
3 bd·2.5 ba·2,360 sqft
Assumable LoanEstimated by HomeLocating
$324,900
2557 Caleb Asher LOOP, Round Rock, TX 78665
MLS #248703680 · Keller Williams - Lake Travis · Gregg Klar
3 bd·2.5 ba·1,757 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
$270,000
124 Rearden BLVD, Jarrell, TX 76537
MLS #226480912 · Miller & Associates Realty LLC · Karen Miller
4 bd·2 ba·1,436 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 LoanEstimated by HomeLocating
$233,000
9619 Murandy DR, Killeen, TX 76542
MLS #241082993 · All City Real Estate Ltd. Co · Bernaddette Watkins
3 bd·2 ba·1,415 sqft
Assumable LoanEstimated by HomeLocating
$230,000
1522 Parkfield CIR, Round Rock, TX 78664
MLS #247707828 · eXp Realty, LLC · Nicholas Himes
2 bd·2 ba·948 sqft
About Assumable Mortgage Homes in Bertram, TX
An assumable mortgage lets a qualified buyer take over the seller's existing home loan — its interest rate, remaining balance, and terms — instead of taking out a new loan at today's rates. The homes below are Bertram listings flagged as having an assumable loan, drawn from live MLS data. Only government-backed FHA, VA, and USDA loans are generally assumable, and every assumption requires the loan servicer's approval and buyer qualification. You typically pay the difference between the price and the remaining balance in cash or separate financing. Confirm any listing's rate, balance, and assumability with the loan servicer before you offer. Last updated October 2026. Walter Marin, REALTOR® with Compass (TREC #716368).
To learn how assumptions work, read our guide on what an assumable mortgage is.
How Buying an Assumable-Mortgage Home Works in Bertram
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 Bertram 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
Why do some homes on this page say "Possibly Assumable" instead of "Assumable"?
This page shows two things: homes where the listing agent has confirmed the mortgage is assumable, and homes where public property records show the current recorded mortgage is a VA or FHA loan — loan types that are often assumable, but not yet confirmed for that specific home. We label those "Possibly Assumable" so the difference is clear. Ask us and we'll help confirm the loan details on any home that interests you.
What is an assumable mortgage?
An assumable mortgage is a loan a qualified buyer can take over from the seller, keeping the existing interest rate, remaining balance, and terms instead of getting a new loan. It requires the loan servicer's approval and buyer qualification, and it is mainly available on government-backed FHA, VA, and USDA loans.
Which loans are assumable?
Generally only government-backed loans are assumable: FHA, VA, and USDA loans. Most conventional loans are not assumable because they include a due-on-sale clause. Each assumption still requires the loan servicer's approval and buyer qualification.
Do I need cash to assume a mortgage in Bertram?
Usually, yes. You typically pay the difference between the home's price and the remaining loan balance in cash or through separate financing, plus assumption fees and closing costs. The exact amount depends on the specific loan and sale and should be confirmed with the loan servicer.
Does HomeLocating provide the assumable loan?
No. HomeLocating is an independent home-search platform, not a mortgage lender, bank, or loan servicer. We help you find and tour Bertram listings; for the loan and its assumption you work with a mortgage lender or the current loan servicer.
Explore Assumable Mortgage Homes in other cities
Jump to another city’s page — a few homes from each.
Assumable Mortgage Homes in Liberty Hill, TX →
Assumable LoanEstimated by HomeLocating
$435,000
201 Double Mountain RD, Liberty Hill, TX 78642
MLS #245616124 · Christies Intl Real Estate Lone Star · Erica Balbay
4 bd·2.5 ba·2,772 sqft
Assumable LoanEstimated by HomeLocating
$569,000
237 Redonda DR, Liberty Hill, TX 78642
MLS #245380470 · Keller Williams Realty · Adelina Rotar
4 bd·3.5 ba·2,993 sqft
Possibly AssumableEstimated by HomeLocating from public records, not an MLS field
$280,000
5401 County Road 200, Liberty Hill, TX 78642
MLS #244967313 · eXp Realty, LLC · Jovanny Garcia
3 bd·2 ba·1,144 sqft
