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 Mortgage Homes in Spicewood, TX
2 active assumable mortgage homes in Spicewood, TX from $350,000 · The median list price in Spicewood is $899,000.
Estimated by HomeLocating
Assumable LoanEstimated by HomeLocating
$615,000
300 Wesley Ridge DR, Spicewood TX 78669
MLS #244353453 · Keller Williams Realty · Kathie Gabriel
4 bd·3.5 ba·3,140 sqft
Nearby Assumable Homes
Closest assumable-mortgage homes near Spicewood, TX, sorted nearest first.
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 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
Assumable LoanEstimated by HomeLocating
$575,000
105 Birdie DR, The Hills TX 78738
MLS #247650697 · Coldwell Banker Realty · Steve Dedear
3 bd·2.5 ba·2,096 sqft
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
$475,000
15109 S Flamingo DR S, Austin TX 78734
MLS #241091970 · Keller Williams Realty · Dillon Meek
3 bd·2.5 ba·2,292 sqft
Assumable LoanEstimated by HomeLocating
$925,000
17632 Stratus CV, Dripping Springs TX 78620
MLS #246765529 · Keller Williams - Lake Travis · Amber Hart
4 bd·3.5 ba·2,786 sqft
Assumable LoanEstimated by HomeLocating
$1,095,000
8300 Lime Creek RD, Volente TX 78641
MLS #244330332 · Nada Homes · Ken Imy
4 bd·2.5 ba·3,039 sqft
Assumable LoanEstimated by HomeLocating
$949,000
13412 Galleria CIR, Austin TX 78738
MLS #246677551 · Keller Williams Realty · Schuyler Williamson
4 bd·3.5 ba·2,416 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
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
$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
$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
$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
$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
$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
$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
$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
$928,000
156 Noahs CT, Austin TX 78737
MLS #241984711 · Team Price Real Estate · Jeffrey Hendricks
4 bd·3.5 ba·3,337 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
$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
$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
$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
$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
$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 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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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 HomeLocatingNew Construction
$301,990
305 Wheel Horse RD, Burnet TX 78611
MLS #247628014 · Meritage Homes Realty · Patrick McGrath
3 bd·2 ba·1,478 sqft
Quick Move-In
Assumable LoanEstimated by HomeLocatingNew Construction
$301,990
313 Wheel Horse RD, Burnet TX 78611
MLS #246326802 · Meritage Homes Realty · Patrick McGrath
3 bd·2 ba·1,478 sqft
Quick Move-In
Assumable LoanEstimated by HomeLocatingNew Construction
$311,990
309 Wheel Horse RD, Burnet TX 78611
MLS #246966862 · Meritage Homes Realty · Patrick McGrath
3 bd·2 ba·1,540 sqft
Quick Move-In
Assumable LoanEstimated by HomeLocatingNew Construction
$331,990
300 Wheel Horse RD, Burnet TX 78611
MLS #247606165 · Meritage Homes Realty · Patrick McGrath
4 bd·3 ba·2,012 sqft
Quick Move-In
Assumable LoanEstimated by HomeLocatingNew Construction
$327,990
312 Wheel Horse RD, Burnet TX 78611
MLS #246210719 · Meritage Homes Realty · Patrick McGrath
3 bd·2 ba·1,777 sqft
Quick Move-In
Assumable LoanEstimated by HomeLocatingNew Construction
$317,990
316 Wheel Horse RD, Burnet TX 78611
MLS #246210726 · Meritage Homes Realty · Patrick McGrath
3 bd·2 ba·1,540 sqft
Quick Move-In
Assumable LoanEstimated by HomeLocatingNew Construction
$326,990
308 Wheel Horse RD, Burnet TX 78611
MLS #246363663 · Meritage Homes Realty · Patrick McGrath
4 bd·3 ba·2,012 sqft
Quick Move-In
Assumable LoanEstimated by HomeLocating
$2,599,000
210 Lavaca ST #2706, Austin TX 78701
MLS #241736989 · TX Brokers · Patrick Mullins
3 bd·3 ba·2,162 sqft
Assumable LoanEstimated by HomeLocating
$847,500
330 Juniper TRL, Kingsland TX 78639
MLS #239687752 · Pilgreen Properties · Tari Pilgreen
3 bd·2.5 ba·2,821 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
$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
$399,000
2215 Post RD #1018, Austin TX 78704
MLS #245373920 · Compass RE Texas, LLC · Nancy Taute
2 bd·2 ba·977 sqft
Assumable LoanEstimated by HomeLocating
$359,000
512 Mulberry DR, Austin TX 78745
MLS #243849071 · Douglas Elliman Real Estate · Taylor Drolette
3 bd·2 ba·1,323 sqft
About Assumable Mortgage Homes in Spicewood, 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 Spicewood 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 Spicewood, including the kind of financing detail the big portals rarely surface.
How Buying an Assumable-Mortgage Home Works in Spicewood
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 Spicewood 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 Dripping Springs, TX →
Assumable LoanEstimated by HomeLocating
$925,000
17632 Stratus CV, Dripping Springs TX 78620
MLS #246765529 · Keller Williams - Lake Travis · Amber Hart
4 bd·3.5 ba·2,786 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