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 Mortgage Homes in Lago Vista, TX
3 active assumable mortgage homes in Lago Vista, TX from $330,000 · The median list price in Lago Vista is $450,000.
Estimated by HomeLocating
2 assumable · 1 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.
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
Price CutEstimated by HomeLocatingPossibly AssumableEstimated by HomeLocating from public records, not an MLS field
$330,000
22108 Cross Timbers BND, Lago Vista, TX 78645
MLS #242724561 · Watters International Realty · Chris Watters
3 bd·2 ba·2,306 sqft
Nearby Assumable Homes
Closest assumable-mortgage homes near Lago Vista, TX, sorted nearest first.
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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$449,000
1141 Lucca DR #53, Dripping Springs, TX 78620
MLS #248164272 · Keller Williams - Lake Travis · Amber Hart
4 bd·3.5 ba·2,528 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
$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
$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
$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
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
$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
$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
$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
$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
$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
$535,000
463 Beauchamp RD, Dripping Springs, TX 78620
MLS #240310612 · JBGoodwin REALTORS WL · Aubrey Shaw
3 bd·2 ba·2,141 sqft
Assumable LoanEstimated by HomeLocating
$650,000
2300 Robin RD, Manchaca, TX 78652
MLS #247865753 · AustinRealEstate.com · David Bouthot
4 bd·2 ba·2,419 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
$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
$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
$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
$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
$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
$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
$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
$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
$379,990
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
$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
$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
$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
$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
$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
$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
$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
$409,900
338 Saffron SPGS, Buda, TX 78610
MLS #248836209 · Keller Williams Realty · Crystal Kilpatrick
3 bd·2 ba·1,826 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
$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
$360,000
10900 American Mustang LOOP, Manor, TX 78653
MLS #248615705 · Intege Realty LLC · Danielle Castillo
3 bd·2 ba·1,895 sqft
About Assumable Mortgage Homes in Lago Vista, 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 Lago Vista 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 Lago Vista
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 Lago Vista 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 Lago Vista?
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 Lago Vista 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 Cedar Park, TX →
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
$430,000
1705 Ascot LN, Cedar Park, TX 78613
MLS #244180372 · RE/MAX Temple-Belton · Becky Judkins
4 bd·3 ba·2,636 sqft
Possibly AssumableEstimated by HomeLocating from public records, not an MLS field
$465,000
1901 Avante DR, Cedar Park, TX 78613
MLS #243764670 · Real Broker, LLC · Dan Fitzgerald
4 bd·2.5 ba·2,664 sqft
Assumable Mortgage Homes in Leander, TX →
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
Possibly AssumableEstimated by HomeLocating from public records, not an MLS field
$295,000
2801 Seneca PATH #32, Leander, TX 78641
MLS #247982149 · All City Real Estate Ltd. Co · Nick Podrebarac
3 bd·2.5 ba·1,352 sqft
Possibly AssumableEstimated by HomeLocating from public records, not an MLS field
$348,900
1653 Coral Sunrise TRL, Leander, TX 78641
MLS #247632220 · Isaac Schlabach · Isaac Schlabach
4 bd·3 ba·2,046 sqft