VA
Active
40$415,000$82,259 equity gap
- Rate
- 2.375%
7.40%today- Payment
- $1,458/mo
$2,597today
- 5beds
- 3baths
- 3,095sqft
Texas · Statewide
Assumable homes for salein Texas.
470 homes in Texas carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.15%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Texas assumable market
by the numbers.
470active assumable listings
2.15%lowest locked rate
$298kmedian list price
$421saved per month vs. 7.2%
Across Texas
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 mapAbout the market
Assumable 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 470 homes for sale with an assumable mortgage as of October 2026: 268 VA loans and 202 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 2.15% with a median of 5.52%; 173 listings are under 4% and 203 are under 5%.
The median assumable home in Texas lists for $298,475, with a median of $89,988 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 $1,239 a month versus $1,660 for the same balance at today's rate, roughly $421 kept every month and $5,054 a year. The deepest Texas inventory is in El Paso (392), Horizon City (56), Socorro (16), Canutillo (3), and Anthony (2).
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.
Verified across Texas
View all 470 on the map Homes on the marketacross Texas.
FHA
Active
55$309,950$45,199 equity gap
- Rate
- 2.88%
7.40%today- Payment
- $1,239/mo
$2,066today
- 4beds
- 3baths
- 1,985sqft
991 HULL Street, El Paso
FHA
Active
43$249,950$45,241 equity gap
- Rate
- 3.11%
7.40%today- Payment
- $970/mo
$1,570today
- 4beds
- 3baths
- 2,147sqft
749 Cora Ruecker, Horizon City
VA
Active
51$298,000$47,942 equity gap
- Rate
- 3.45%
7.40%today- Payment
- $1,230/mo
$1,908today
- 3beds
- 3baths
- 2,184sqft
12517 PASEO RAE Avenue, El Paso
VA
Active
42$295,000$78,111 equity gap
- Rate
- 2.73%
7.40%today- Payment
- $1,010/mo
$1,718today
- 3beds
- 3baths
- 1,855sqft
205 ANGLESY Place, El Paso
VA
Active
25$285,000$79,606 equity gap
- Rate
- 2.80%
7.40%today- Payment
- $971/mo
$1,636today
- 3beds
- 2baths
- 1,944sqft
12328 DESERT HAWK Avenue, El Paso
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 Texas.
Live counts from the MLS feeds we index for Texas. Updated October 2026.
- Active listings
- 470
- UMe Certified / verified
- 0
- Lowest rate
- 2.15%
- Median rate
- 5.52%
- Median list price
- $298,475
- Median cash to assume
- $89,988
Texas listings by locked rate
- Under 4%173 homes
- 4% – 5%30 homes
- 5% – 6%46 homes
- 6% and up220 homes
Texas listings by loan type
- VA268 homesmedian 5.46%
- FHA202 homesmedian 5.57%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
Run the Texas numbers
What an assumable ratedoes to a Texas payment.
The sliders start at the median Texas assumable listing: $298,475 list price and a 5.52% 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)$90,000
30% 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 Texas
$1,267/mo
New loan at 7.20%$1,425
Assumed at 5.50%
$1,267
Every month$159
Over five years$9,531
Interest you never pay$117,98426-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 Texas listing on UMe shows the actual balance, rate, and payment.
How it works in Texas
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 $89,988 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.
Texas questions
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 470 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 (268, median 5.46%) and FHA (202, median 5.57%). 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 2.15%, and the median across all 470 listings is 5.52%. 173 listings are under 4% and 203 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 $1,239 per month versus $1,660 for the same balance at today's rates, a difference of about $421 every month, or $5,054 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 $89,988 on a median list price of $298,475. 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 (392), Horizon City (56), Socorro (16), Canutillo (3), and Anthony (2). 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.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.