Murphy, TX · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Murphy, Texas (TX)
Search active homes in Murphy, 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 (Murphy Area · 1.68%/yr), and get quotes from lenders serving Murphy.
Assumable Mortgage Buyer ConciergeMurphy, TX
Shopping for a Sub-4% Home in Murphy, TX?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Murphy, TX.
Assumable Mortgage Scenarios in Murphy & Texas
View All Live Listings in Murphy, TX →
VA 3.75% AssumableSave -$1,176/mo$369,0003 bd · 2 ba · 1,798 sqft
5800 TRIBUNE WAY
Plano, TX 75094
1st Loan Balance$211,800
Est. Equity Gap$157,200
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$1,346/mo$379,9003 bd · 2 ba · 2,111 sqft
300 SHADY TIMBERS LN
Murphy, TX 75094
1st Loan Balance$236,200
Est. Equity Gap$143,700
Calculate Payment & 2nd Loan
FHA 2.75% AssumableSave -$3,045/mo$849,0005 bd · 4 ba · 4,811 sqft
519 PHEASANT RUN DR
Murphy, TX 75094
1st Loan Balance$531,900
Est. Equity Gap$317,100
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,075/mo$650,0005 bd · 4 ba · 3,801 sqft
809 STANFORD DR
Murphy, TX 75094
1st Loan Balance$372,600
Est. Equity Gap$277,400
Calculate Payment & 2nd Loan
USDA 2.75% AssumableSave -$1,540/mo$429,9004 bd · 2 ba · 2,455 sqft
524 JASMINE DR
Murphy, TX 75094
1st Loan Balance$269,800
Est. Equity Gap$160,100
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$1,686/mo$475,0004 bd · 3 ba · 2,668 sqft
420 BROOKWOOD DR
Plano, TX 75094
1st Loan Balance$294,800
Est. Equity Gap$180,200
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,061/mo$645,9005 bd · 4 ba · 3,795 sqft
802 SHADYBROOK DR
Murphy, TX 75094
1st Loan Balance$370,300
Est. Equity Gap$275,600
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$1,453/mo$409,0004 bd · 2 ba · 2,071 sqft
428 HICKORY DR
Murphy, TX 75094
1st Loan Balance$253,400
Est. Equity Gap$155,600
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$2,372/mo$560,0004 bd · 3 ba · 3,006 sqft
439 LAKEHURST DR
Murphy, TX 75094
1st Loan Balance$241,600
Est. Equity Gap$318,400
Calculate Payment & 2nd Loan
USDA 3.75% AssumableSave -$2,631/mo$824,0004 bd · 4 ba · 3,967 sqft
1212 BARRISTER CIR
Murphy, TX 75094
1st Loan Balance$472,200
Est. Equity Gap$351,800
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$2,508/mo$699,0004 bd · 4 ba · 3,994 sqft
404 PARKSIDE CT
Murphy, TX 75094
1st Loan Balance$437,900
Est. Equity Gap$261,100
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$2,802/mo$790,0005 bd · 5 ba · 4,162 sqft
409 DALEPORT DR
Murphy, TX 75094
1st Loan Balance$490,400
Est. Equity Gap$299,600
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Murphy, TX
Which loans are assumable in Murphy, TX?
All government-insured FHA, VA, and USDA residential mortgages in Murphyare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Murphy buyers finance the equity gap?
If a home in Murphy 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 Murphy lenders so you only bring 5%–10% down.
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