2.38% VA
$425,000
$1,458/mo
1935 Bay City Place
El Paso, TX
5 bd3 ba— sqft
Texas · Statewide
Keep the rate.
Buy the home in Texas.
542 assumable homes for sale in Texas, with locked rates from 2.15%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.23%
vs 7.2% market
$414/mo saved
Median locked rate
5.23%
Across 542 assumable listings
Typical monthly savings
$414
On a $280,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in Texas
Homes with a rate worth keeping
2.88% FHA
$314,950
$1,239/mo
991 HULL Street
El Paso, TX
3 bd2 ba— sqft
3.10% VA
$284,950
$1,131/mo
15028 Resolve Drive
El Paso, TX
3 bd2 ba— sqft
3.45% VA
$298,000
$1,230/mo
12517 PASEO RAE Avenue
El Paso, TX
3 bd3 ba— sqft
3.45% VA
$339,500
$1,503/mo
11365 RANCH Court
El Paso, TX
4 bd3 ba— sqft
2.84% VA
$299,000
$975/mo
14504 JACLYN MARIE Street
El Paso, TX
4 bd3 ba— sqft
Inventory snapshot
What’s assumable in Texas right now
Live counts from the MLS feeds we index for Texas. Updated September 2026.
- Active listings
- 542
- Certified / verified
- 0
- Lowest rate
- 2.15%
- Median rate
- 5.23%
- Median list price
- $280,000
- Median cash to assume
- $103,184
Listings by locked rate
- Under 4%199 homes
- 4% – 5%54 homes
- 5% – 6%41 homes
- 6% and up243 homes
Listings by loan type
- VA297 homesmedian 5.17%
- FHA245 homesmedian 5.50%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Texas ZIP code
- 79938
156 assumable homes · median 4.05%
median $275,000
- 79928
104 assumable homes · median 6.32%
median $293,000
- 79934
53 assumable homes · median 5.25%
median $268,000
- 79924
39 assumable homes · median 6.31%
median $227,500
- 79936
34 assumable homes · median 5.27%
median $279,450
- 79912
33 assumable homes · median 3.87%
median $449,999
- 79911
23 assumable homes · median 4.30%
median $377,000
- 79927
22 assumable homes · median 6.34%
median $245,950
Across Texas
Assumable homes by Texas city
Run your numbers
The cost of waiting in Texas.
A 7.2% new loan against an assumable one at 5.23%, same balance, 30 years.
You keep every month
$286/mo
Over a year$3,436
Monthly payment, side by side
7.2% vs 5.23%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Texas
Numbers below come from current Texas inventory and update as listings change.
- How many assumable homes are for sale in Texas?
- As of September 2026, UMe tracks 542 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 (297, median 5.17%) and FHA (245, median 5.50%). 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 Texas right now?
- The lowest rate on an active Texas assumable listing is 2.15%, and the median across all 542 listings is 5.23%. 199 listings are under 4% and 253 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 $1,137 per month versus $1,551 for the same balance at today's rates, a difference of about $414 every month, or $4,964 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 $103,184 on a median list price of $280,000. 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 Texas cities have the most assumable homes?
- Right now the deepest assumable inventory in Texas is in El Paso (465), Horizon City (43), Socorro (22), Canutillo (5), and Anthony (4). 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.
Ready when you are
Stop overpaying for Texas.
Every listing on the map has a rate you can take over. Start with the ones in Texas, or list your own low-rate loan and let buyers come to you.
