FHA
Active
63$314,950$50,199 down
- Rate
- 2.88%
7.28%today- Payment
- $1,239/mo
$2,042today
- 4beds
- 3baths
- —sqft
San Elizario, Texas
Assumable homes for salein San Elizario, Texas.
1 home in San Elizario carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 6.50%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
San Elizario assumable market
by the numbers.
1active assumable listing
6.50%lowest locked rate
$320kmedian list price
$118saved per month vs. 7.2%
About the market
Assumable mortgagesin San Elizario, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Texas, filtered to San Elizario. Updated June 2026.
How assumptions work for buyersSan Elizario, Texas has 1 home for sale with an assumable mortgage as of June 2026: 1 VA loan that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active San Elizario assumable listings start at 6.50% with a median of 6.50%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in San Elizario lists for $320,000, with a median of $118,658 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $1,809 a month versus $1,927 for the same balance at today's rate, roughly $118 kept every month and $1,421 a year. The most active San Elizario ZIP codes are 79849 (1).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most San Elizario assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in San Elizario
View all 1 on the map Homes on the marketin San Elizario.
VA
Active
51$298,000$47,433 down
- Rate
- 3.45%
7.28%today- Payment
- $1,230/mo
$1,886today
- 3beds
- 3baths
- —sqft
12517 PASEO RAE Avenue, El Paso
VA
Active
19$304,999$83,925 down
- Rate
- 2.88%
7.28%today- Payment
- $1,062/mo
$1,750today
- 4beds
- 3baths
- —sqft
14213 PEYTON EDWARDS Avenue, El Paso
VA
Active
57$520,000$143,065 down
- Rate
- 2.99%
7.28%today- Payment
- $1,790/mo
$2,908today
- 4beds
- 3baths
- —sqft
840 GOLDEN EDGE Court, El Paso
VA
Active
40$249,500$68,616 down
- Rate
- 2.99%
7.28%today- Payment
- $859/mo
$1,395today
- 3beds
- 2baths
- —sqft
13542 HARBOTTLE Street, El Paso
VA
Active
38$245,000$59,695 down
- Rate
- 3.00%
7.28%today- Payment
- $881/mo
$1,429today
- 3beds
- 3baths
- —sqft
210 Lago Maggiore Street, Horizon City
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin San Elizario.
Live counts from the MLS feeds we index for Texas. Updated June 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 6.50%
- Median rate
- 6.50%
- Median list price
- $320,000
- Median cash to assume
- $118,658
San Elizario listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
San Elizario listings by loan type
- VA1 homemedian 6.50%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby San Elizario ZIP code.
Each ZIP opens the San Elizario map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the San Elizario numbers
What an assumable ratedoes to a San Elizario payment.
The sliders start at the median San Elizario assumable listing: $320,000 list price and a 6.50% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$120,000
38% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in San Elizario
$1,330/mo
New loan at 7.20%$1,358
Assumed at 6.50%
$1,330
Every month$28
Over five years$1,664
Interest you never pay$73,81926-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every San Elizario listing on UMe shows the actual balance, rate, and payment.
How it works in San Elizario
How to assumea mortgage in San Elizario.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find a San Elizario home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the San Elizario map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $118,658 in San Elizario today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and a San Elizario payment written in a different decade.
San Elizario questions
Assuming a mortgagein San Elizario.
The numbers below come from current San Elizario inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in San Elizario?
As of June 2026, UMe tracks 1 active assumable listing in San Elizario. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in San Elizario?
Current San Elizario inventory breaks down as VA (1, median 6.50%). FHA, VA, and USDA mortgages are assumable by law, which is why they make up nearly all assumable listings. Conventional loans usually carry a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan, though the seller's entitlement stays tied up unless you substitute your own.
What is the lowest assumable mortgage rate in San Elizario?
The lowest rate on an active San Elizario assumable listing is 6.50%, and the median across all 1 listing is 6.50%. 0 listings are under 4% and 0 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in San Elizario?
Across current San Elizario listings, the median principal-and-interest payment on the assumable loan is $1,809 per month versus $1,927 for the same balance at today's rates, a difference of about $118 every month, or $1,421 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
How much money do I need to assume a home in San Elizario?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In San Elizario that gap is currently a median of $118,658 on a median list price of $320,000. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
Which San Elizario ZIP codes have the most assumable homes?
The San Elizario ZIP codes with the most active assumable listings are 79849 (1). Use the map to draw your own boundary or filter by rate, payment, and down payment inside any of them.
How long does a mortgage assumption take in San Elizario?
Most FHA and VA assumptions close in 45 to 90 days. The loan servicer, not a new lender, underwrites you, and servicer turnaround is the main variable. UMe tracks the file with the servicer and the listing agent so nothing stalls, and every listing shows whether the assumption has already been confirmed with the seller's side.
Nearby markets
All of Texas More assumable homesin Texas.
Ready when you are
Stop overpaying for San Elizario.The rate is already on the house.
Every listing on the San Elizario map has a rate you can take over. Start with the ones in San Elizario, get pre-qualified in minutes, and let UMe carry the assumption to closing.
