Homes for Sale with Assumable Loans in Central Texas
Lock In Yesterday’s Rates — Today
Looking for a way to beat today’s high mortgage rates? You might be able to assume a loan with a much lower rate — and it could save you thousands. Many homes in Central Texas, including FHA and VA-financed properties, come with assumable mortgages. That means you could step into the seller’s loan, keeping their existing balance, their low interest rate (often between 2% and 3%), and their monthly payment.
Assumable loans aren’t common, but when you find one, they can be game-changers. Compared to taking out a brand-new loan at today’s rates — often over 6% — assuming a loan from just a few years ago could lower your payment by hundreds per month. These opportunities are especially valuable for first-time buyers, move-up buyers, and investors looking to boost cash flow without stretching their budget.
Of course, there’s a process. Not all loans are assumable, and buyers still need to qualify with the existing lender. You may also need to bring cash to the table or secure a second loan to cover any difference between the remaining loan balance and the purchase price. But when done right, assumable loans offer one of the best strategies in today’s market to afford more house for less money.
Our team has helped dozens of Central Texas buyers identify and secure assumable loan properties — and we’re adding new ones all the time. The homes below all offer some form of assumable financing. If you’re serious about leveraging this strategy, schedule a consultation with our team and we’ll help you navigate the process from start to finish.