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 Mortgage Homes in Little River-Academy, TX
0 active assumable mortgage homes in Little River-Academy, TX · The median list price in Little River-Academy is $249,900.
Estimated by HomeLocating
No assumable homes are currently listed in Little River-Academy. Here are the nearest assumable homes.
Nearby Assumable Homes
Closest assumable-mortgage homes near Little River-Academy, TX, sorted nearest first.
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
$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
$899,990
1060 Hackberry RD, Salado TX 76571
MLS #246424324 · First Texas Brokerage Company · Allison Bragg
5 bd·3.5 ba·2,898 sqft
Assumable LoanEstimated by HomeLocating
$375,000
5508 Denmans Mountain RD, Belton TX 76513
MLS #241047390 · Real Estate Dragonfly, LLC · Joshua Patton
4 bd·2.5 ba·2,144 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
$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
$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
$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
$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
$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
$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
$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
$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 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
$360,000
7806 Blue Nile DR, Killeen TX 76542
MLS #247500676 · Orchard Brokerage · Ayanna Edwards
3 bd·2.5 ba·2,590 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
$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
$260,000
4003 Arafel LN, Killeen TX 76542
MLS #245466653 · Realty Texas LLC · Shon Thompson
8 bd·2 ba·2,040 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
$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
$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
$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
$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
$234,900
1704 Prestige LOOP, Killeen TX 76549
MLS #245550926 · Keller Williams Realty · Paola Samaia Lozano
4 bd·2 ba·2,587 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
Assumable LoanEstimated by HomeLocating
$284,900
715 Estes PARK, Taylor TX 76574
MLS #241674105 · Classic Realty · Jackie Huff
3 bd·2 ba·1,358 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
$875,000
174 Estrella XING, Georgetown TX 78628
MLS #244628452 · eXp Realty, LLC · Lindey Hixson
4 bd·3 ba·3,583 sqft
Assumable LoanEstimated by HomeLocating
$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 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 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 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
$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
$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 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
$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
$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 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
$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
$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
$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
$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
$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
$990,000
204 Overlook CT, Georgetown TX 78628
MLS #247863480 · eXp Realty, LLC · Eli Alborn
5 bd·3.5 ba·4,229 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
$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
$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
$290,000
302 Lone Star BLVD, Hutto TX 78634
MLS #246428440 · Compass RE Texas, LLC · David Bunyea
3 bd·2 ba·1,857 sqft
No assumable-mortgage homes are listed in Little River-Academy right now
Inventory in this category changes often as new homes come on the market. Right now there are 3 homes for sale in Little River-Academy — median around $249,900 — so it's worth browsing what's available, setting an alert to hear the moment new assumable-mortgage homes are listed, or checking assumable-mortgage homes in nearby cities. The guide below explains how it all works whenever you're ready.
Assumable-mortgage homes in nearby cities: Killeen · Nolanville · Troy
About Assumable Mortgage Homes in Little River-Academy, 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 Little River-Academy 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 Little River-Academy, including the kind of financing detail the big portals rarely surface.
How Buying an Assumable-Mortgage Home Works in Little River-Academy
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 Little River-Academy 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 Killeen, TX →
Assumable LoanEstimated by HomeLocating
$360,000
7806 Blue Nile DR, Killeen TX 76542
MLS #247500676 · Orchard Brokerage · Ayanna Edwards
3 bd·2.5 ba·2,590 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