Texas · Statewide
Assumable homes for salein Texas.
448 homes in Texas carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.05%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Texas assumable market
by the numbers.
Assumable homesby Texas city.
Ranked by live assumable inventory. Every city is its own market page with local listings, rates, ZIP codes, and cash-to-assume figures.
Search all of Texas on the mapAssumable mortgagesin Texas, explained.
Every number on this page comes from the live MLS feeds UMe indexes across Texas. Updated October 2026.
How assumptions work for buyersTexas has 448 homes for sale with an assumable mortgage as of October 2026: 248 VA loans and 200 FHA loans 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 Texas assumable listings start at 2.05% with a median of 5.41%; 168 listings are under 4% and 198 are under 5%.
The median assumable home in Texas lists for $294,875, with a median of $93,040 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 $1,248 a month versus $1,645 for the same balance at today's rate, roughly $398 kept every month and $4,774 a year. The deepest Texas inventory is in El Paso (374), Horizon City (53), Socorro (16), Anthony (3), and Canutillo (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 Texas assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Homes on the marketacross Texas.
No verified listings in Texas yet.
New assumable listings land every week across Texas. Search the full map, or save a Texas search and we’ll email you the moment one appears.
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.
What’s in the mixin Texas.
Live counts from the MLS feeds we index for Texas. Updated October 2026.
- Active listings
- 448
- UMe Certified / verified
- 0
- Lowest rate
- 2.05%
- Median rate
- 5.41%
- Median list price
- $294,875
- Median cash to assume
- $93,040
Texas listings by locked rate
- Under 4%168 homes
- 4% – 5%30 homes
- 5% – 6%44 homes
- 6% and up205 homes
Texas listings by loan type
- VA248 homesmedian 5.23%
- FHA200 homesmedian 5.52%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
What an assumable ratedoes to a Texas payment.
The sliders start at the median Texas assumable listing: $294,875 list price and a 5.41% 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.
32% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Texas listing on UMe shows the actual balance, rate, and payment.
How to assumea mortgage in Texas.
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 Texas home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Texas 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 $93,040 in Texas 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 Texas payment written in a different decade.
Assuming a mortgagein Texas.
The numbers below come from current Texas inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Texas?
As of October 2026, UMe tracks 448 active assumable listings in Texas. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Texas?
Current Texas inventory breaks down as VA (248, median 5.23%) and FHA (200, median 5.52%). 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 Texas?
The lowest rate on an active Texas assumable listing is 2.05%, and the median across all 448 listings is 5.41%. 168 listings are under 4% and 198 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 Texas?
Across current Texas listings, the median principal-and-interest payment on the assumable loan is $1,248 per month versus $1,645 for the same balance at today's rates, a difference of about $398 every month, or $4,774 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 Texas?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Texas that gap is currently a median of $93,040 on a median list price of $294,875. 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 Texas cities have the most assumable homes?
The deepest assumable inventory in Texas is in El Paso (374), Horizon City (53), Socorro (16), Anthony (3), and Canutillo (1). Each city has its own page with live counts, rates, and neighborhoods, and the Texas map lets you search the whole state at once.
How long does a mortgage assumption take in Texas?
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.
Stop overpaying for Texas.The rate is already on the house.
Every listing on the Texas map has a rate you can take over. Start with the cities holding the deepest inventory, get pre-qualified in minutes, and let UMe carry the assumption to closing.
