Helotes, TX · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Helotes, Texas (TX)
Search active homes in Helotes, 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 (Helotes Area · 1.68%/yr), and get quotes from lenders serving Helotes.
Assumable Mortgage Buyer ConciergeHelotes, TX
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Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Helotes, TX.
Assumable Mortgage Scenarios in Helotes & Texas
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FHA 3.75% AssumableSave -$1,052/mo$330,0003 bd · 3 ba · 1,836 sqft
9819 WISMAR
Helotes, TX 78023
1st Loan Balance$189,500
Est. Equity Gap$140,500
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$2,661/mo$750,0004 bd · 4 ba · 3,339 sqft
9623 FRENCH WALK
Helotes, TX 78023
1st Loan Balance$465,400
Est. Equity Gap$284,600
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$1,149/mo$320,0003 bd · 3 ba · 2,124 sqft
11207 OCATE
Helotes, TX 78023
1st Loan Balance$200,200
Est. Equity Gap$119,800
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,710/mo$849,0004 bd · 3 ba · 2,721 sqft
14343 SANTA LOMA
Helotes, TX 78023
1st Loan Balance$486,500
Est. Equity Gap$362,500
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$1,023/mo$285,0003 bd · 2 ba · 2,136 sqft
11918 PEACH XING
Helotes, TX 78023
1st Loan Balance$178,400
Est. Equity Gap$106,600
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$3,407/mo$960,0005 bd · 4 ba · 4,125 sqft
11235 RAW SIENNA
Helotes, TX 78023
1st Loan Balance$595,600
Est. Equity Gap$364,400
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$1,102/mo$345,0004 bd · 3 ba · 2,838 sqft
10511 LUPINE CYN
Helotes, TX 78023
1st Loan Balance$197,500
Est. Equity Gap$147,500
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$17,387/mo$4,900,0006 bd · 11 ba · 10,280 sqft
9469 CANYON MIST
Helotes, TX 78023
1st Loan Balance$3,040,900
Est. Equity Gap$1,859,100
Calculate Payment & 2nd Loan
FHA 2.75% AssumableSave -$1,425/mo$398,0003 bd · 2 ba · 2,096 sqft
9226 TYLER OAKS
Helotes, TX 78023
1st Loan Balance$249,800
Est. Equity Gap$148,200
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$911/mo$284,9903 bd · 3 ba · 2,093 sqft
10414 ALSFELD RNCH
Helotes, TX 78023
1st Loan Balance$163,200
Est. Equity Gap$121,790
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$1,719/mo$479,9004 bd · 4 ba · 2,926 sqft
9207 PUTNAM DR
Helotes, TX 78023
1st Loan Balance$301,200
Est. Equity Gap$178,700
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$1,507/mo$425,0004 bd · 2 ba · 2,444 sqft
9216 MCCAFFERTY DR
Helotes, TX 78023
1st Loan Balance$263,800
Est. Equity Gap$161,200
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Helotes, TX
Which loans are assumable in Helotes, TX?
All government-insured FHA, VA, and USDA residential mortgages in Helotesare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Helotes buyers finance the equity gap?
If a home in Helotes 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 Helotes lenders so you only bring 5%–10% down.
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