San Antonio, TX · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in San Antonio, Texas (TX)
Search active homes in San Antonio, 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 (Bexar Co. · 1.92%/yr), and get quotes from lenders serving San Antonio.
For Mortgage Lenders & Loan OfficersSan Antonio, TX
Are You a Loan Officer in San Antonio, TX?
Receive every homebuyer FHA/VA assumption & 2nd-position equity gap loan inquiry in San Antonio, TX directly in your inbox, plus rotate in the featured lender slot on listings.
Assumable Mortgage Scenarios in San Antonio & Texas
View All Live Listings in San Antonio, TX →
VA 3.75% AssumableSave -$2,825/mo$885,0003 bd · 3 ba · 2,222 sqft
215 COLLEGE BLVD
San Antonio, TX 78209
1st Loan Balance$507,200
Est. Equity Gap$377,800
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$924/mo$260,0003 bd · 3 ba · 1,541 sqft
7834 BROADWAY #206
San Antonio, TX 78209
1st Loan Balance$161,200
Est. Equity Gap$98,800
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$3,570/mo$995,0003 bd · 2 ba · 2,954 sqft
149 COUNTRY LANE
San Antonio, TX 78209
1st Loan Balance$623,300
Est. Equity Gap$371,700
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$890/mo$279,0004 bd · 4 ba · 2,475 sqft
122 DOWNING
San Antonio, TX 78209
1st Loan Balance$160,000
Est. Equity Gap$119,000
Calculate Payment & 2nd Loan
USDA 2.75% AssumableSave -$1,883/mo$525,0003 bd · 3 ba · 1,772 sqft
138 BREES BLVD
San Antonio, TX 78209
1st Loan Balance$329,000
Est. Equity Gap$196,000
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$8,988/mo$1,750,0004 bd · 4 ba · 4,128 sqft
223 CLOVERLEAF AVE
Alamo Heights, TX 78209
1st Loan Balance$506,800
Est. Equity Gap$1,243,200
Calculate Payment & 2nd Loan
FHA 3.75% AssumableSave -$1,276/mo$399,9993 bd · 2 ba · 1,255 sqft
8304 LAURELHURST DR
San Antonio, TX 78209
1st Loan Balance$229,300
Est. Equity Gap$170,699
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$532/mo$150,0003 bd · 2 ba · 1,477 sqft
7123 THRUSH VIEW LANE #8
San Antonio, TX 78209
1st Loan Balance$93,100
Est. Equity Gap$56,900
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$1,253/mo$349,0003 bd · 2 ba · 1,403 sqft
2826 LITTLE JOHN DR
San Antonio, TX 78209
1st Loan Balance$218,500
Est. Equity Gap$130,500
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$943/mo$295,0004 bd · 2 ba · 1,907 sqft
308 TUTTLE
San Antonio, TX 78209
1st Loan Balance$168,800
Est. Equity Gap$126,200
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$92/mo$25,5002 bd · 2 ba · 1,062 sqft
1 TOWERS PARK LANE #813
San Antonio, TX 78209
1st Loan Balance$15,700
Est. Equity Gap$9,800
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$2,483/mo$699,9004 bd · 4 ba · 3,197 sqft
123 E BRANDON
San Antonio, TX 78209
1st Loan Balance$434,400
Est. Equity Gap$265,500
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in San Antonio, TX
Which loans are assumable in San Antonio, TX?
All government-insured FHA, VA, and USDA residential mortgages in San Antonioare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do San Antonio buyers finance the equity gap?
If a home in San Antonio 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 San Antonio lenders so you only bring 5%–10% down.
More Cities with Assumable Mortgages in Texas
San Antonio, TXAustin, TXRound Rock, TXNew Braunfels, TXSchertz, TXCedar Park, TXCibolo, TXConverse, TXUniversal City, TXLive Oak, TXSeguin, TXBoerne, TXHelotes, TXAlamo Ranch, TXKyle, TXBuda, TXSan Marcos, TXGeorgetown, TXLeander, TXPflugerville, TXHutto, TXManor, TXLiberty Hill, TXDripping Springs, TXBastrop, TXLockhart, TXTaylor, TXKilleen, TXHarker Heights, TXCopperas Cove, TXBelton, TXTemple, TXWaco, TXHewitt, TXCollege Station, TXBryan, TXCorpus Christi, TXMcAllen, TXEdinburg, TXMission, TXPharr, TXHarlingen, TXBrownsville, TXLaredo, TXVictoria, TXFort Worth, TXDallas, TXPlano, TXFrisco, TXHouston, TXKaty, TXCypress, TXArlington, TXIrving, TXGarland, TXGrand Prairie, TXMcKinney, TXDenton, TXCarrollton, TXRichardson, TXLewisville, TXFlower Mound, TXAllen, TXProsper, TXCelina, TXLittle Elm, TXAubrey, TXCorinth, TXKeller, TXSouthlake, TXGrapevine, TXColleyville, TXEuless, TXBedford, TXHurst, TXNorth Richland Hills, TXSaginaw, TXCrowley, TXBurleson, TXMansfield, TXMidlothian, TXWaxahachie, TXRed Oak, TXForney, TXRockwall, TXRowlett, TXWylie, TXSachse, TXMurphy, TXAnna, TXMelissa, TXPrinceton, TXRoyse City, TXWeatherford, TXAledo, TXGranbury, TXCleburne, TXSpring, TXThe Woodlands, TXConroe, TXWillis, TXMagnolia, TXTomball, TXHumble, TXKingwood, TXAtascocita, TXCrosby, TXBaytown, TXPasadena, TXDeer Park, TXLa Porte, TXLeague City, TXFriendswood, TXPearland, TXManvel, TXAlvin, TXTexas City, TXGalveston, TXDickinson, TXSugar Land, TXMissouri City, TXRichmond, TXRosenberg, TXFulshear, TXHockley, TXWaller, TXEl Paso, TXLubbock, TXAmarillo, TXMidland, TXOdessa, TXAbilene, TXSan Angelo, TXWichita Falls, TXTyler, TXLongview, TXTexarkana, TXLufkin, TXNacogdoches, TXBeaumont, TX
© 2026 RateTakeover.com · A Strobeck Media Company