Price CutEstimated by HomeLocatingPossibly AssumableEstimated by HomeLocating from public records, not an MLS field
$195,000
107 W 7th ST, Elgin, TX 78621
MLS #245708190 · Sterling & Associates R.E. · Cecilia Whitley
2 bd·1 ba·844 sqft
Assumable Mortgage Homes in Elgin, TX
8 active assumable mortgage homes in Elgin, TX from $195,000 · The median list price in Elgin is $289,000.
Estimated by HomeLocating
0 assumable · 8 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.
Motivated SellerEstimated by HomeLocatingPossibly AssumableEstimated by HomeLocating from public records, not an MLS field
$224,999
504 W 2nd ST, Elgin, TX 78621
MLS #226330641 · Keller Williams - Lake Travis · Carol Saxenian
2 bd·1 ba·1,054 sqft
Motivated SellerEstimated by HomeLocatingPossibly AssumableEstimated by HomeLocating from public records, not an MLS field
$625,000
610 Pleasant Grove RD, Elgin, TX 78621
MLS #240169332 · Beycome Brokerage Realty LLC · Steve Koleno
5 bd·3 ba·1,937 sqft
Motivated SellerEstimated by HomeLocatingPossibly AssumableEstimated by HomeLocating from public records, not an MLS fieldNew Construction
$305,499
23713 Glowing Embers DR, Elgin, TX 78621
MLS #240663281 · Keller Williams City-View · Christopher Marti
4 bd·3 ba·2,210 sqft
Quick Move-In
Motivated SellerEstimated by HomeLocatingPossibly AssumableEstimated by HomeLocating from public records, not an MLS field
$795,000
681 County Road 474, Elgin, TX 78621
MLS #231559379 · LPT Realty LLC - Ascend Group · Gabriel Bramlette
3 bd·2 ba·1,681 sqft
Motivated SellerEstimated by HomeLocatingPossibly AssumableEstimated by HomeLocating from public records, not an MLS field
$299,000
148 Hidalgo LN, Elgin, TX 78621
MLS #242859459 · Comfort Realty LLC · Tiffany Miles
4 bd·2.5 ba·2,399 sqft
Nearby Assumable Homes
Closest assumable-mortgage homes near Elgin, TX, sorted nearest first.
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
$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
$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
$355,000
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
$360,000
10900 American Mustang LOOP, Manor, TX 78653
MLS #248615705 · Intege Realty LLC · Danielle Castillo
3 bd·2 ba·1,895 sqft
Assumable LoanEstimated by HomeLocating
$524,990
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
$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
$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
$374,900
112 Twin Lakes LN, Bastrop, TX 78602
MLS #248708449 · The One Realty · Danielle Fountain
4 bd·2 ba·1,560 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
$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
$299,000
206 Killian LOOP, Hutto, TX 78634
MLS #246069892 · Orchard Brokerage · AJ Enslin
3 bd·2.5 ba·1,782 sqft
Assumable LoanEstimated by HomeLocating
$408,000
136 Ironbark BND, Bastrop, TX 78602
MLS #247089591 · Thomas Macatee, Broker · Tom Macatee
3 bd·2 ba·1,984 sqft
Assumable LoanEstimated by HomeLocating
$289,000
2008 Prickly Pear DR, Bastrop, TX 78602
MLS #247650694 · Serhant Texas, LLC · Onyema Ogwuegbu
3 bd·2 ba·1,624 sqft
Assumable LoanEstimated by HomeLocating
$290,000
302 Lone Star BLVD, Hutto, TX 78634
MLS #246428440 · Compass RE Texas, LLC · David Bunyea
3 bd·2 ba·1,857 sqft
Assumable LoanEstimated by HomeLocating
$288,000
708 Timothy John DR, Pflugerville, TX 78660
MLS #244233493 · TexCen Realty · David Mozingo
3 bd·2 ba·1,834 sqft
Assumable LoanEstimated by HomeLocating
$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
$309,000
105 Lidell ST, Hutto, TX 78634
MLS #242178071 · Peak Real Estate Advisors LLC · Alfonso Rodriguez
4 bd·2 ba·1,626 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
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
$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
$546,000
6533 Leonardo CV, Round Rock, TX 78665
MLS #248051907 · All City Real Estate Ltd. Co · Ola Odunaike-Cherry
4 bd·3.5 ba·3,122 sqft
Assumable LoanEstimated by HomeLocating
$429,900
12233 Forsythe DR, Austin, TX 78759
MLS #246422770 · Bramlett Partners · Paul Johnston
3 bd·2 ba·1,452 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
$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
$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
$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
$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
$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
$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
$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
$370,000
1101 Milford WAY #1, Austin, TX 78745
MLS #248294083 · Devora Realty · Joshua Faucher
3 bd·2 ba·1,189 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
$450,000
369 Cross Meadows CT, Buda, TX 78610
MLS #248762729 · Keller Williams Realty · Bill Cafferata
4 bd·2 ba·2,098 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
$444,900
10221 Buster DR, Austin, TX 78748
MLS #246476356 · AustinReps, LLC · Bob McKenna
4 bd·3 ba·2,127 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
$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
$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
$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
$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
$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
$400,000
333 Diamondleaf DR, Buda, TX 78610
MLS #248012394 · Orchard Brokerage · Jay Thakkar
3 bd·2 ba·2,009 sqft
Assumable LoanEstimated by HomeLocating
$679,000
2812 Cascade Falls DR, Austin, TX 78738
MLS #248154034 · Kuper Sotheby's Int'l Realty · Jeff Taylor
3 bd·2 ba·2,235 sqft
Assumable LoanEstimated by HomeLocating
$754,000
250 County Rd. 323, Bartlett, TX 76511
MLS #241643021 · Realty Texas LLC · Danyel Cake
4 bd·3 ba·2,850 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
$799,000
1680 County Road 302, Rockdale, TX 76567
MLS #247235220 · Keller Williams Realty · Kathryne Roddam
5 bd·3 ba·2,590 sqft
Assumable LoanEstimated by HomeLocating
$365,000
8889 N Fm 487, Rockdale, TX 76567
MLS #238346851 · Carol Matous-Jim Currey Realty · Carol Worley
3 bd·2 ba·2,395 sqft
Assumable LoanEstimated by HomeLocating
$298,000
319 Globe Mallow CIR, Kyle, TX 78640
MLS #247501784 · Domain Realty, LLC · Garrett Trahan
3 bd·2 ba·1,521 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
About Assumable Mortgage Homes in Elgin, 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 Elgin 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 Elgin
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 Elgin 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 Elgin?
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 Elgin 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 Manor, TX →
Assumable LoanEstimated by HomeLocating
$360,000
10900 American Mustang LOOP, Manor, TX 78653
MLS #248615705 · Intege Realty LLC · Danielle Castillo
3 bd·2 ba·1,895 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
Possibly AssumableEstimated by HomeLocating from public records, not an MLS field
$180,000
12804 Dwight Eisenhower ST, Manor, TX 78653
MLS #248123447 · Lighthouse Premier Realty · Natalie Freeman
3 bd·2 ba·1,346 sqft
Assumable Mortgage Homes in Austin, TX →
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
Possibly AssumableEstimated by HomeLocating from public records, not an MLS field
$633,000
6312 Oliver Loving TRL, Austin, TX 78749
MLS #248726576 · RE/MAX Bastrop Area · Zia Lowe
4 bd·2 ba·2,326 sqft
Possibly AssumableEstimated by HomeLocating from public records, not an MLS field
$480,000
1717 E 38th 1/2 ST, Austin, TX 78722
MLS #248711486 · Waterloo Realty, LLC · Michelle Ward
2 bd·1 ba·905 sqft
Assumable Mortgage Homes in Bastrop, TX →
Assumable LoanEstimated by HomeLocating
$374,900
112 Twin Lakes LN, Bastrop, TX 78602
MLS #248708449 · The One Realty · Danielle Fountain
4 bd·2 ba·1,560 sqft
Assumable LoanEstimated by HomeLocating
$289,000
2008 Prickly Pear DR, Bastrop, TX 78602
MLS #247650694 · Serhant Texas, LLC · Onyema Ogwuegbu
3 bd·2 ba·1,624 sqft
Assumable LoanEstimated by HomeLocating
$408,000
136 Ironbark BND, Bastrop, TX 78602
MLS #247089591 · Thomas Macatee, Broker · Tom Macatee
3 bd·2 ba·1,984 sqft