Assumable LoanEstimated by HomeLocating
$280,000
713 Bighorn DR, Harker Heights, TX 76548
MLS #240698223 · eXp Realty, LLC · Nichole Jack Johnson
4 bd·4 ba·2,326 sqft
Assumable Mortgage Homes in Harker Heights, TX
1 active assumable mortgage homes in Harker Heights, TX from $280,000 · The median list price in Harker Heights is $340,000.
Estimated by HomeLocating
1 assumable · 0 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.
Nearby Assumable Homes
Closest assumable-mortgage homes near Harker Heights, TX, sorted nearest first.
Assumable LoanEstimated by HomeLocating
$574,900
5017 Bella Charca PKWY, Nolanville, TX 76559
MLS #244393116 · Serhant Texas, LLC · Ella Moody
4 bd·3.5 ba·2,767 sqft
Assumable LoanEstimated by HomeLocating
$535,000
2054 Gray Fox DR, Nolanville, TX 76559
MLS #247200083 · World Wide Realty,LLC · Kurt Peterson
4 bd·2.5 ba·2,387 sqft
Assumable LoanEstimated by HomeLocating
$426,900
8408 Elander DR, Killeen, TX 76542
MLS #246227509 · Realty Executives Of Killeen · Raye Mayhorn
4 bd·2.5 ba·2,242 sqft
Assumable LoanEstimated by HomeLocating
$669,995
4906 Deerwood LOOP, Killeen, TX 76542
MLS #246436053 · Coldwell Banker Realty · Sandra Bobb
4 bd·3.5 ba·3,149 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
$160,000
2308 Terrace DR, Killeen, TX 76543
MLS #245151193 · KW-Austin Portfolio Real Estate · Kelsey Osborne
3 bd·2 ba·1,442 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
$310,000
5866 Galveston RD, Belton, TX 76513
MLS #245274274 · Century 21 Premier Realtors · Teresa Ingram
4 bd·2 ba·2,150 sqft
Assumable LoanEstimated by HomeLocating
$320,000
4152 Aransas DR, Belton, TX 76513
MLS #248387447 · CB&A, Realtors · Holly Bunting
3 bd·2 ba·1,906 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
$405,000
636 Friar Tuck DR, Temple, TX 76502
MLS #244870454 · eXp Realty, LLC · Jennifer Bruns
3 bd·2.5 ba·2,875 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
$219,000
2416 Merle DR, Copperas Cove, TX 76522
MLS #246348757 · Real Broker, LLC · Yvette Hernandez
3 bd·2 ba·1,708 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
$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
$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
$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
$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
$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
$239,000
2215 N 9th ST, Temple, TX 76501
MLS #247690618 · Always Here Properties, Llc · Nancy Hazard
3 bd·2 ba·1,663 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
$270,000
1012 Velvet CT, Troy, TX 76579
MLS #247348371 · Jorgenson Real Estate · Kasey Jorgenson
4 bd·2 ba·1,642 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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$290,000
302 Lone Star BLVD, Hutto, TX 78634
MLS #246428440 · Compass RE Texas, LLC · David Bunyea
3 bd·2 ba·1,857 sqft
About Assumable Mortgage Homes in Harker Heights, 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 Harker Heights 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 Harker Heights
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 Harker Heights 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 Harker Heights?
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 Harker Heights 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 Nolanville, TX →
Assumable LoanEstimated by HomeLocating
$535,000
2054 Gray Fox DR, Nolanville, TX 76559
MLS #247200083 · World Wide Realty,LLC · Kurt Peterson
4 bd·2.5 ba·2,387 sqft
Assumable LoanEstimated by HomeLocating
$574,900
5017 Bella Charca PKWY, Nolanville, TX 76559
MLS #244393116 · Serhant Texas, LLC · Ella Moody
4 bd·3.5 ba·2,767 sqft
Assumable Mortgage Homes in Killeen, TX →
Assumable LoanEstimated by HomeLocating
$669,995
4906 Deerwood LOOP, Killeen, TX 76542
MLS #246436053 · Coldwell Banker Realty · Sandra Bobb
4 bd·3.5 ba·3,149 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
$426,900
8408 Elander DR, Killeen, TX 76542
MLS #246227509 · Realty Executives Of Killeen · Raye Mayhorn
4 bd·2.5 ba·2,242 sqft
Assumable Mortgage Homes in Belton, TX →
Assumable LoanEstimated by HomeLocating
$320,000
4152 Aransas DR, Belton, TX 76513
MLS #248387447 · CB&A, Realtors · Holly Bunting
3 bd·2 ba·1,906 sqft
Assumable LoanEstimated by HomeLocating
$310,000
5866 Galveston RD, Belton, TX 76513
MLS #245274274 · Century 21 Premier Realtors · Teresa Ingram
4 bd·2 ba·2,150 sqft