Assumable LoanEstimated by HomeLocating
$448,000
5624 San Michele ST, Round Rock TX 78665
MLS #246909265 · Keller Williams Realty · Scarlett Hao
4 bd·2.5 ba·2,610 sqft
Assumable Mortgage Homes in Round Rock, TX
7 active assumable mortgage homes in Round Rock, TX from $329,900 · The median list price in Round Rock is $419,000.
Estimated by HomeLocating
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 LoanEstimated by HomeLocating
$629,000
3928 Cole Valley LN, Round Rock TX 78681
MLS #242135287 · Coldwell Banker Realty · Carol Polito Zwirn
3 bd·3.5 ba·3,002 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
$535,000
1915 Kempwood LOOP, Round Rock TX 78665
MLS #244797294 · White House Global Properties · Audrey Smith
3 bd·2 ba·2,630 sqft
Nearby Assumable Homes
Closest assumable-mortgage homes near Round Rock, TX, sorted nearest first.
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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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 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 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
$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
$335,000
19104 Leigh LN, Pflugerville TX 78660
MLS #246478821 · Jorgenson Real Estate · Crystal Long
4 bd·2.5 ba·2,223 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
$495,000
101 Fort Richardson DR, Georgetown TX 78628
MLS #247650698 · Kuper Sotheby's Int'l Realty · Jordan Hernandez
3 bd·2 ba·2,320 sqft
Assumable LoanEstimated by HomeLocating
$549,995
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
$519,000
117 Barton Run DR, Georgetown TX 78628
MLS #244378705 · Real Broker, LLC · Barron Johnson
4 bd·3 ba·2,752 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
$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
$589,999
1304 Snowdrop DR, Georgetown TX 78628
MLS #246447713 · Serhant Texas, LLC · Arion Crenshaw
4 bd·3 ba·2,898 sqft
Assumable LoanEstimated by HomeLocating
$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
$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
$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
$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
$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
$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
$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
$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
$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
$389,000
11853 Gaelic DR, Austin TX 78754
MLS #234779755 · Legacy Realty LLC · Theo Shayo
5 bd·2.5 ba·2,652 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
$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
$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 LoanEstimated by HomeLocating
$450,000
14505 Kira LN, Manor TX 78653
MLS #245147046 · Keller Williams Realty · Adelina Rotar
3 bd·2 ba·2,224 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
$365,000
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
$435,000
144 Monterey Oak TRL, Georgetown TX 78628
MLS #244476901 · Coldwell Banker Realty · Ruby Segura
4 bd·3.5 ba·2,244 sqft
About Assumable Mortgage Homes in Round Rock, 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 Round Rock 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 Round Rock, including the kind of financing detail the big portals rarely surface.
How Buying an Assumable-Mortgage Home Works in Round Rock
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 Round Rock 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 Austin, TX →
Assumable LoanEstimated by HomeLocating
$199,000
1601 Faro DR #1404, Austin TX 78741
MLS #247314288 · Keller Williams Realty · Tomas Corzo
2 bd·2 ba·1,017 sqft
Assumable LoanEstimated by HomeLocating
$385,000
7120 Silver Star LN, Austin TX 78744
MLS #246804093 · AustinRealEstate.com · Monica Guerrero
3 bd·2.5 ba·1,775 sqft
Assumable LoanEstimated by HomeLocating
$315,000
11409 Lost Maples TRL #11409, Austin TX 78748
MLS #246672505 · Coldwell Banker Realty · James Hernandez
3 bd·2.5 ba·1,922 sqft
Assumable Mortgage Homes in Pflugerville, TX →
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
$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
$549,995
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 Mortgage Homes in Georgetown, TX →
Assumable LoanEstimated by HomeLocating
$495,000
101 Fort Richardson DR, Georgetown TX 78628
MLS #247650698 · Kuper Sotheby's Int'l Realty · Jordan Hernandez
3 bd·2 ba·2,320 sqft
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 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