Austin, TX · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Austin, Texas (TX)
Search active homes in Austin, TX with low-rate assumable FHA, VA, and USDA loans (2.25%–4.25%). Use our interactive equity gap and 2nd-loan calculator to slide your down payment, estimate local property taxes (Travis Co. · 1.78%/yr), and get quotes from lenders serving Austin.
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Assumable Mortgage Scenarios in Austin & Texas
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VA 3.75% AssumableSave -$958/mo$300,0005 bd · 6 ba · 2,496 sqft
2702 S 2ND ST #1 & 2
Austin, TX 78704
1st Loan Balance$172,000
Est. Equity Gap$128,000
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$4,128/mo$775,0003 bd · 2 ba · 1,654 sqft
2809 KINNEY OAKS CT
Austin, TX 78704
1st Loan Balance$193,900
Est. Equity Gap$581,100
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$10,760/mo$2,999,9995 bd · 6 ba · 3,480 sqft
704 W ELIZABETH ST
Austin, TX 78704
1st Loan Balance$1,880,200
Est. Equity Gap$1,119,799
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$421/mo$899,0002 bd · 1 ba · 1,116 sqft
1311 NEWNING AVE
Austin, TX 78704
1st Loan Balance$936,400
Est. Equity Gap$0
Calculate Payment & 2nd Loan
USDA 2.75% AssumableSave -$8,069/mo$2,250,0004 bd · 3 ba · 2,483 sqft
606 JOSEPHINE ST
Austin, TX 78704
1st Loan Balance$1,410,200
Est. Equity Gap$839,800
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$5,675/mo$1,599,0004 bd · 3 ba · 2,301 sqft
1709 BRACKENRIDGE ST
Austin, TX 78704
1st Loan Balance$992,100
Est. Equity Gap$606,900
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$12,444/mo$3,899,0004 bd · 6 ba · 4,213 sqft
2021 FORD ST
Austin, TX 78704
1st Loan Balance$2,235,100
Est. Equity Gap$1,663,900
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$3,545/mo$999,0003 bd · 3 ba · 1,840 sqft
512 SUNNY LN #B
Austin, TX 78704
1st Loan Balance$634,600
Est. Equity Gap$364,400
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$1,432/mo$399,0003 bd · 1 ba · 934 sqft
308 LIGHTSEY RD
Austin, TX 78704
1st Loan Balance$249,800
Est. Equity Gap$149,200
Calculate Payment & 2nd Loan
USDA 3.75% AssumableSave -$10,260/mo$3,215,0004 bd · 4 ba · 3,665 sqft
1304 FOLTS AVE
Austin, TX 78704
1st Loan Balance$1,843,300
Est. Equity Gap$1,371,700
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$11,477/mo$3,200,0005 bd · 3 ba · 3,244 sqft
706 BARTON BLVD
Austin, TX 78704
1st Loan Balance$2,005,600
Est. Equity Gap$1,194,400
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$4,081/mo$1,150,0003 bd · 2 ba · 1,816 sqft
2504 WILDGROVE DR
Austin, TX 78704
1st Loan Balance$492,100
Est. Equity Gap$657,900
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Austin, TX
Which loans are assumable in Austin, TX?
All government-insured FHA, VA, and USDA residential mortgages in Austinare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Austin buyers finance the equity gap?
If a home in Austin is listed at $475,000 with a $315,000 assumable balance, the equity gap is $160,000. You can either bring cash or pair the 1st mortgage with a 2nd-position loan from participating Austin lenders so you only bring 5%–10% down.
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