Assumable LoanEstimated by HomeLocating
$1,200,000
127 Lazy Creek DR, Georgetown TX 78628
MLS #247614054 · LPT Realty, LLC · Angela Seeger
4 bd·3.5 ba·3,423 sqft
Assumable Mortgage Homes in Georgetown, TX
22 active assumable mortgage homes in Georgetown, TX from $284,900 · The median list price in Georgetown is $449,963.5.
Estimated by HomeLocating
Assumable LoanEstimated by HomeLocating
$495,000
1728 Highland Ridge RD, Georgetown TX 78628
MLS #247416062 · Currey Real Estate · Lindsay Currey
4 bd·2.5 ba·2,649 sqft
Assumable LoanEstimated by HomeLocating
$350,000
144 Riverhill DR, Georgetown TX 78628
MLS #247359594 · Dave Dacko · Alexandra Lagmanson
3 bd·2 ba·1,463 sqft
Assumable LoanEstimated by HomeLocating
$899,999
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
$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
$474,000
549 Clubhouse DR #G, Georgetown TX 78628
MLS #246731430 · Orso Realty · Jeff Mirabelle
2 bd·2.5 ba·2,000 sqft
Assumable LoanEstimated by HomeLocating
$475,000
310 White River DR, Georgetown TX 78626
MLS #246689550 · Berkshire Hathaway TX Realty · Sabine McCalla
5 bd·2.5 ba·3,665 sqft
Assumable LoanEstimated by HomeLocating
$284,900
304 Dubina Ave, Georgetown TX 78626
MLS #246660025 · Austin Summit Group · Chrissy Caputo
3 bd·2 ba·1,426 sqft
Assumable LoanEstimated by HomeLocating
$599,999
1304 Snowdrop DR, Georgetown TX 78628
MLS #246447713 · Serhant Texas, LLC · Arion Crenshaw
4 bd·3 ba·2,898 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
$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
$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
$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
$535,000
105 Fatorria CV, Georgetown TX 78628
MLS #243497477 · Mallach and Company · Shelley Clawson
4 bd·4 ba·2,561 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
$999,000
204 Overlook CT, Georgetown TX 78628
MLS #244439425 · eXp Realty, LLC · Eli Alborn
5 bd·3.5 ba·4,279 sqft
Assumable LoanEstimated by HomeLocating
$399,000
5408 Vanner PATH, Georgetown TX 78626
MLS #242579267 · Keller Williams Realty · Wendy Papasan
4 bd·2.5 ba·2,811 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
$435,000
144 Monterey Oak TRL, Georgetown TX 78628
MLS #244476901 · Coldwell Banker Realty · Ruby Segura
4 bd·3.5 ba·2,244 sqft
Nearby Assumable Homes
Closest assumable-mortgage homes near Georgetown, TX, sorted nearest first.
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
$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
$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
$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
$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
$475,000
113 Bell Chime DR, Liberty Hill TX 78642
MLS #241580046 · Bramlett Partners · Crystal Hirst
5 bd·4 ba·2,867 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
$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
$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
$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
$265,000
333 Cowpoke DR, Jarrell TX 76537
MLS #246207990 · Agents Realty of Texas, LLC · Cameron Canady
4 bd·2.5 ba·1,945 sqft
Assumable LoanEstimated by HomeLocating
$389,990
129 Adeline RD, Hutto TX 78634
MLS #244416265 · Willow Real Estate, LLC · Julie Burton
4 bd·2 ba·1,956 sqft
Assumable LoanEstimated by HomeLocatingNew Construction
$398,990
747 Universal DR, Hutto TX 78634
MLS #247328740 · Meritage Homes Realty · Patrick McGrath
5 bd·3 ba·2,812 sqft
Quick Move-In
Assumable LoanEstimated by HomeLocatingNew Construction
$361,990
807 Universal DR, Hutto TX 78634
MLS #246235315 · Meritage Homes Realty · Patrick McGrath
4 bd·3 ba·2,012 sqft
Quick Move-In
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
$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
$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
$335,888
124 Barret DR, Liberty Hill TX 78642
MLS #239404607 · eXp Realty, LLC · Pennylu Villanueva
3 bd·2.5 ba·1,801 sqft
Assumable LoanEstimated by HomeLocatingNew Construction
$493,990
1005 Embarcadero DR, Hutto TX 78634
MLS #247330183 · Meritage Homes Realty · Patrick McGrath
5 bd·4 ba·3,269 sqft
Quick Move-In
Assumable LoanEstimated by HomeLocating
$464,000
115 Mollie DR, Hutto TX 78634
MLS #241164209 · Reliance Realty Group · Eddie Banales
4 bd·2.5 ba·2,899 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
$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
$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
$299,000
409 Willowbrook DR, Hutto TX 78634
MLS #244310354 · Orchard Brokerage · Ashley Coombs
3 bd·2 ba·1,696 sqft
Assumable LoanEstimated by HomeLocating
$245,499
240 Foster LN, Jarrell TX 76537
MLS #243826856 · Magnolia Realty Round Rock · Tina Stewart
3 bd·2.5 ba·2,000 sqft
Assumable LoanEstimated by HomeLocating
$289,990
602 Creston ST, Hutto TX 78634
MLS #244180367 · Willow Real Estate, LLC · Julie Burton
3 bd·2 ba·1,336 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
$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
$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
$435,000
305 Windy Reed RD, Hutto TX 78634
MLS #246706179 · Olvera Bolton Properties · Isabel Vazquez
4 bd·2.5 ba·2,708 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
$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
$290,000
408 Bedford Falls LN, Jarrell TX 76537
MLS #240556265 · Epique Realty LLC · Lynda Jones
4 bd·2.5 ba·2,157 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
$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
$304,990
524 Barbary Coast CV, Jarrell TX 76537
MLS #247309951 · Sprout Realty · Isela Flores
3 bd·2.5 ba·2,552 sqft
Assumable LoanEstimated by HomeLocating
$209,900
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
$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
$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
$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
$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
$365,000
204 Jordan Valley DR, Liberty Hill TX 78642
MLS #238258752 · Keller Williams Realty · Allison Pflaum
4 bd·2.5 ba·2,612 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
$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
$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
$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
$335,000
19104 Leigh LN, Pflugerville TX 78660
MLS #246478821 · Jorgenson Real Estate · Crystal Long
4 bd·2.5 ba·2,223 sqft
About Assumable Mortgage Homes in Georgetown, 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 Georgetown 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 Georgetown, including the kind of financing detail the big portals rarely surface.
How Buying an Assumable-Mortgage Home Works in Georgetown
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 Georgetown 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 Leander, TX →
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
$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
$298,000
2402 Susan LN, Leander TX 78641
MLS #244347657 · Orchard Brokerage · Beth Abeita
3 bd·2 ba·1,368 sqft
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
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