{"id":10360,"date":"2026-09-20T16:41:05","date_gmt":"2026-09-20T21:41:05","guid":{"rendered":"https:\/\/lrgrealty.com\/lrg-blog\/?p=10360"},"modified":"2026-09-20T16:41:05","modified_gmt":"2026-09-20T21:41:05","slug":"assumable-mortgage-texas","status":"publish","type":"post","link":"https:\/\/lrgrealty.com\/lrg-blog\/assumable-mortgage-texas\/","title":{"rendered":"How Assumable Mortgages Work in Texas: VA, FHA, and What Buyers Need to Know"},"content":{"rendered":"<div class=\"rl-page\">\n<header class=\"rl-hero\">\n<div class=\"rl-eyebrow\">Definition \u00b7 Guide<\/div>\n<h1>How Assumable Mortgages Work in Texas: VA, FHA, and What Buyers Need to Know<\/h1>\n<p><a class=\"rl-cta-primary\" href=\"\/lrg-blog\/connect-with-lrg\/?ref=assumable-mortgage-texas\">Connect with LRG \u2192<\/a><br \/>\n<\/header>\n<p>An assumable mortgage lets a Texas buyer take over a seller&#8217;s existing government-backed loan at the original interest rate and remaining terms. FHA, VA, and USDA loans all qualify, while conventional mortgages with due-on-sale clauses do not. The catch is covering the equity gap between the home&#8217;s current price and the remaining loan balance, and closings run significantly longer than a standard purchase.<\/p>\n<div class=\"rl-quick-grid\">\n<article class=\"rl-quick-card\">\n<h3>What Is an Assumable Mortgage?<\/h3>\n<ul>\n<li>An assumable mortgage lets a buyer take over the seller&#8217;s existing FHA, VA, or USDA loan, keeping the original interest rate and remaining balance.<\/li>\n<li>Conventional loans include due-on-sale clauses that block transfers, so only government-backed mortgages qualify for assumption in Texas.<\/li>\n<li>The buyer still goes through lender underwriting. Credit, income, and debt ratios all get reviewed before the servicer approves the transfer.<\/li>\n<\/ul>\n<\/article>\n<article class=\"rl-quick-card\">\n<h3>Assumable Mortgage Facts for Texas Buyers<\/h3>\n<ul>\n<li>Only government-backed loans qualify. FHA, VA, and USDA mortgages can transfer to a new buyer, but conventional loans cannot.<\/li>\n<li>Texas collects no state property tax, so assumption closing costs depend entirely on local county and city tax proration at transfer.<\/li>\n<li>Sellers with VA loans keep their entitlement tied up until the assuming buyer refinances or pays off the remaining balance.<\/li>\n<\/ul>\n<\/article>\n<article class=\"rl-quick-card\">\n<h3>Why Assumable Mortgages Matter<\/h3>\n<ul>\n<li>Taking over a seller&#8217;s original rate can drop monthly payments by hundreds compared to a new loan at today&#8217;s market rates.<\/li>\n<li>Ignoring the assumption path in a high-rate market means locking into years of higher interest costs on a fresh 30-year note.<\/li>\n<li>Texas has a deep pool of FHA, VA, and USDA loans from the low-rate era, and every government-backed mortgage is legally assumable.<\/li>\n<\/ul>\n<\/article>\n<article class=\"rl-quick-card\">\n<h3>Assumption Misconceptions<\/h3>\n<ul>\n<li>Conventional loans carry due-on-sale clauses, so most Texas home loans are not eligible for assumption even though they make up the bulk of the market.<\/li>\n<li>Some buyers expect a faster closing with an assumption, but servicer review and approval can run longer than a standard purchase timeline.<\/li>\n<li>The original mortgage stays on the seller&#8217;s credit report after closing, and it counts against their debt-to-income ratio until the buyer refinances.<\/li>\n<\/ul>\n<\/article>\n<\/div>\n<div class=\"rl-atf-faqhead\"><span class=\"rl-kicker\">Asked First<\/span>Top questions before you dig in<\/div>\n<details>\n<summary>What are the downsides of an assumable mortgage?<\/summary>\n<p>The biggest challenge is the equity gap, where you need cash or secondary financing to cover the difference between the purchase price and the remaining loan balance. Closings also run significantly longer than standard purchases because lender assumption departments handle these separately, and you still must qualify through the seller&#8217;s servicer.<\/p>\n<\/details>\n<details>\n<summary>Do banks still offer assumable mortgages?<\/summary>\n<p>Banks don&#8217;t issue new assumable mortgages, but FHA, VA, and USDA loans already in place are assumable by default under their original terms. Conventional loans contain due-on-sale clauses that block assumption, so buyers must find a seller carrying a government-backed loan and qualify through that seller&#8217;s current servicer.<\/p>\n<\/details>\n<details>\n<summary>How difficult is it to assume someone&#8217;s mortgage?<\/summary>\n<p>The qualification bar is similar to a new mortgage application. The lender reviews the buyer&#8217;s credit, income, and debt-to-income ratio before approving the transfer, and the lender holds final authority to approve or deny the assumption regardless of what the buyer and seller have agreed to.<\/p>\n<\/details>\n<section class=\"rl-bluf\">\n<h2 id=\"the-bottom-line-up-front\">The Bottom Line Up Front<\/h2>\n<p><strong>Most assumable mortgages in Texas are government-backed, either VA, FHA, or USDA, because conventional loans nearly always include a due-on-sale clause. Any creditworthy buyer can assume a VA-backed loan with servicer approval. RESPA protections govern escrow and servicing transfers. Texas has no state property tax, but local rates apply to the assumed property from day one.<\/strong><\/p>\n<p>The equity gap between the purchase price and remaining balance is the first hurdle. On a home the seller bought years ago, that gap can be significant, and buyers cover it with cash or a second lien. The assuming buyer still faces full underwriting on credit, income, and debt-to-income with the seller&#8217;s servicer, and closings take longer because most servicers route assumptions through specialized departments. RESPA protections under \u00a7 1024.33 and \u00a7 1024.17 govern escrow and servicing transfers. Texas collects no state property tax, but local rates apply from day one.<\/p>\n<ul>\n<li>VA, FHA, and USDA loans are assumable in Texas, but conventional loans with due-on-sale clauses are not.<\/li>\n<li>Buyers must qualify with the seller&#8217;s current loan servicer on credit, income, and debt-to-income.<\/li>\n<li>The equity gap between the purchase price and remaining balance typically requires cash or a second lien.<\/li>\n<li>Texas has no state property tax, but local taxing authorities assess the assumed property immediately.<\/li>\n<li>RESPA protections under federal law govern escrow transfers and servicing disclosures during the assumption process.<\/li>\n<\/ul>\n<\/section>\n<section>\n<h2 id=\"what-is-an-assumable-mortgage-and-how-does-it-work\">What Is an Assumable Mortgage and How Does It Work<\/h2>\n<p>An assumable mortgage lets a buyer take over the seller&#8217;s existing home loan, keeping the original interest rate, remaining balance, and repayment schedule intact. Instead of originating new financing at current market rates, the buyer steps into the seller&#8217;s FHA, VA, or USDA loan at whatever rate was locked years ago. That monthly payment carries forward at the original rate, not today&#8217;s.<\/p>\n<p>The mechanics are straightforward. The buyer contacts the seller&#8217;s lender and requests approval to assume the loan. The lender underwrites the buyer on income, credit, and debt ratios, applying the same scrutiny as a conventional mortgage application. Once approved, the buyer takes over the remaining loan balance and the payment schedule attached to it. The gap between that balance and the home&#8217;s sale price is the buyer&#8217;s out-of-pocket cost, sometimes bridged with savings or a second loan. The smaller the seller&#8217;s equity, the more workable the assumption. Conventional mortgages do not qualify because their due-on-sale clauses block the transfer.<\/p>\n<p>Texas buyers are turning to assumptions as the state&#8217;s housing inventory grows and the spread between older locked rates and current origination rates makes the math compelling for anyone who can cover the equity gap. The trade-off is patience. Lender approval for an assumption generally runs longer than a standard purchase closing, and the buyer still faces full underwriting on income, credit, and debt. For VA Loans specifically, a non-Veteran buyer can assume the loan, but doing so ties up the seller&#8217;s <a href=\"\/lrg-blog\/how-to-restore-your-va-loan-entitlement\/\">VA entitlement<\/a> until the loan is paid off.<\/p>\n<\/section>\n<section>\n<h2 id=\"why-most-assumable-mortgages-in-texas-are-va-backed-loans\">Why Most Assumable Mortgages in Texas Are VA-Backed Loans<\/h2>\n<p>Texas has one of the largest Veteran populations in the country, and that directly shapes the state&#8217;s assumable mortgage supply. Buyers cannot assume conventional loans. Due-on-sale clauses prevent the transfer, leaving only government-backed mortgages as candidates. With major Military installations generating VA originations statewide, VA-backed loans dominate that inventory.<\/p>\n<p>FHA and USDA loans are also assumable, but VA loans carry a feature that widens their appeal considerably. Any creditworthy buyer can assume a VA mortgage. Veterans are not required. That opens every VA-backed listing to the full buyer pool, which is one reason <a href=\"\/lrg-blog\/va-loan-assumptions-san-antonio-guide\/\">VA assumptions<\/a> outpace FHA assumptions by a wide margin. The trade-off for sellers is that a non-Veteran assuming their <a href=\"\/lrg-blog\/1776-warrior-dividend-va-loan\/\">VA loan<\/a> ties up the seller&#8217;s entitlement until the loan is paid off or refinanced, creating a negotiation point that both sides need to understand before agreeing to the transaction. VA assumptions carry their own funding fee, separate from the fee charged on a new VA loan origination.<\/p>\n<p>For buyers searching the Texas market, this concentration means most assumable opportunities will be VA-backed properties. Platforms tracking assumable mortgages list thousands of active VA and FHA listings across the state, many carrying rates well below current market levels. Buyers who are not Veterans can still pursue these loans, but they qualify through the seller&#8217;s existing servicer rather than originating with a new lender. That servicer-driven qualification runs on a different timeline and requires different documentation than a standard purchase, so getting financials organized before making an offer on an assumable property saves weeks.<\/p>\n<\/section>\n<section>\n<h2 id=\"fha-and-usda-assumptions-vs-conventional-loans\">FHA and USDA Assumptions vs. Conventional Loans<\/h2>\n<p>FHA and USDA loans are both assumable, but they follow different approval paths, and each carries rules that VA assumptions do not. FHA assumptions are open to any creditworthy buyer regardless of Military service. USDA assumptions require the current servicer&#8217;s approval, and the property must still qualify under USDA&#8217;s rural area classification. Conventional loans include a due-on-sale clause that blocks assumptions entirely, which removes them from the equation for rate-seeking buyers.<\/p>\n<p>The practical gap between FHA and USDA assumptions shows up in the qualification process. FHA servicers evaluate the new buyer on standard credit and income criteria, much like a <a href=\"\/lrg-blog\/va-loan-assumption-sam-houston-texas\/\">VA assumption<\/a>. USDA servicers add a property-level check on top of the buyer&#8217;s financials: the home must still sit in a USDA-eligible rural zone. Areas outside Texas&#8217;s major metros sometimes get reclassified as population grows, and if the property&#8217;s zone designation changed since the seller&#8217;s original closing, the servicer can deny the assumption even when the buyer qualifies on paper. FHA carries no such restriction.<\/p>\n<p>Closing costs on FHA and USDA assumptions tend to run lower than a standard home purchase because the buyer skips origination fees and certain lender charges baked into new loan production. The savings are real. The trade-off is time. Assumption closings run longer than standard financing because servicers process these transfers through specialized departments with smaller staffs and heavier backlogs. Buyers pursuing an FHA or USDA assumption in Texas should expect the timeline to stretch well beyond a typical closing window and plan their contract deadlines accordingly.<\/p>\n<\/section>\n<div class=\"rl-cta-mid\"><a class=\"rl-cta-pill\" href=\"\/lrg-blog\/connect-with-lrg\/?ref=assumable-mortgage-texas\">Connect with LRG \u2192<\/a><\/div>\n<section>\n<h2 id=\"closing-costs-and-property-taxes-when-assuming-a-mortgage-in-texas\">Closing Costs and Property Taxes When Assuming a Mortgage in Texas<\/h2>\n<p>Assuming a mortgage in Texas typically costs less at closing than originating a new loan. You skip origination fees, discount points, and the appraisal charges that come with fresh financing. The costs that remain include the lender&#8217;s assumption processing fee, <a href=\"\/lrg-blog\/title-insurance-texas-costs-guide\/\">title insurance<\/a>, escrow adjustments, and recording fees. <a href=\"\/lrg-blog\/2026-texas-property-taxes-homestead\/\">Property taxes<\/a> are the wildcard.<\/p>\n<p>Texas does not collect property tax or set tax rates at the state level. Counties, cities, school districts, and special taxing districts each set their own rates, and those rates vary significantly depending on where you buy. When you assume a mortgage, the servicer recalculates the escrow account to reflect the ownership transfer. Sellers who claimed a <a href=\"\/lrg-blog\/homestead-exemption-bexar-county-filing\/\">homestead exemption<\/a> may have been paying a lower rate than what the county will assess once the property changes hands. If you do not file your own homestead exemption promptly after closing, your monthly escrow payment could jump in your first year.<\/p>\n<p>The upside is fewer lender fees at closing, but the property tax escrow adjustment requires planning. Budget for the assumption processing fee, title work, and a potential escrow shortfall during your first year of ownership. If you are covering the equity gap with a second lien or bridge loan, that financing carries its own origination costs on top of the assumption. Ask the servicer for a full cost breakdown before you commit to the transfer, and verify whether the current escrow balance will carry over to the new account or require a fresh deposit at closing.<\/p>\n<\/section>\n<section>\n<h2 id=\"consumer-protections-that-apply-to-mortgage-assumptions\">Consumer Protections That Apply to Mortgage Assumptions<\/h2>\n<p>Federal servicing rules under RESPA protect buyers who assume an existing mortgage in Texas. The CFPB updated key provisions effective April 19, 2023, strengthening disclosure requirements and escrow handling specifically for assumption transactions. These protections apply whether the underlying loan is FHA, VA, or USDA, and they create enforceable obligations the servicer must follow throughout the transfer.<\/p>\n<p>Three RESPA sections carry the most weight during an assumption. \u00a7 1024.33 governs servicing transfer disclosures, requiring the servicer to notify both the seller and the assuming buyer when the loan changes hands or when a new servicer takes over mid-process. \u00a7 1024.17 covers escrow account administration. This means escrow balances must transfer accurately, and the assuming buyer gets a clear accounting of what was collected, what was applied, and what remains in the account. \u00a7 1024.36 gives the buyer the right to request loan information directly from the servicer, including payoff balances, assumption fees, and outstanding escrow obligations.<\/p>\n<p>Texas buyers should ask for written confirmation that these protections are being honored during the assumption process. Servicers sometimes treat assumptions as low-priority files, and the CFPB&#8217;s April 19, 2023, rule updates were partly a response to that pattern. If a servicer misses disclosure deadlines or refuses to provide account details on request, you have formal grounds to escalate through the CFPB complaint process. That standing matters when assumption timelines already stretch well beyond standard purchase closings.<\/p>\n<\/section>\n<section>\n<h2 id=\"tax-rules-when-you-assume-or-release-a-mortgage\">Tax Rules When You Assume or Release a Mortgage<\/h2>\n<p>Both the buyer and seller face federal tax considerations when a mortgage changes hands through assumption. The seller&#8217;s taxable gain includes the full assumed loan balance as part of the amount realized, even though that portion arrives as debt relief rather than cash. The buyer&#8217;s cost basis equals the total purchase price, covering the assumed balance and any cash or secondary financing used to bridge the equity gap.<\/p>\n<p>Sellers who qualify for the primary residence <a href=\"\/lrg-blog\/capital-gains-tax-selling-home-texas-2026\/\">capital gains<\/a> exclusion can still claim it on an assumed-mortgage sale. The standard ownership and use tests apply the same way they would on a conventional closing. Texas collects no state income tax. These obligations are entirely federal, but sellers releasing a VA or FHA loan should confirm their specific reporting timeline with a tax professional before closing.<\/p>\n<p>Buyers assuming a mortgage should track their cost basis carefully from the start. The gap between your total purchase price and the remaining loan balance at assumption forms part of your equity position, and that figure matters when you eventually sell or refinance out of the assumed loan. Keep your assumption agreement, the documented loan balance at transfer, any secondary financing records, and all closing statements filed together. Those documents establish your tax position years down the road and simplify reporting if the property changes hands again.<\/p>\n<\/section>\n<section>\n<h2 id=\"how-to-find-and-close-on-an-assumable-mortgage-in-central-texas\">How to Find and Close on an Assumable Mortgage in Central Texas<\/h2>\n<p>Locating an assumable mortgage in Central Texas starts with identifying properties that carry government-backed loans. Sellers with FHA, VA, or USDA financing hold the assumable inventory, and several specialized listing platforms now filter specifically for these loans across the state. Once you find a property, the real work begins with the seller&#8217;s current loan servicer, not a new lender, because assumption approval runs through the existing note holder.<\/p>\n<p>The servicer evaluates your credit, income, and debt-to-income ratio using the same underwriting standards a traditional lender would apply, and if you fall short on any qualifying metric the assumption dies regardless of what the seller wants. You also need to cover the equity gap, which is the difference between the home&#8217;s sale price and the remaining loan balance. Cash is the straightforward option. Some buyers use a second lien or seller financing to bridge that difference. Get pre-qualified with the servicer before making an offer so you know where you stand.<\/p>\n<p>Expect the <a href=\"\/lrg-blog\/closing-timeline-after-offer-acceptance-texas\/\">closing timeline<\/a> to run significantly longer than a standard purchase. Servicers process assumptions through specialized departments with limited staff, and backlogs can stretch the process well past the timeline you would see with traditional financing. Build that extended window into your contract with a closing deadline that gives the servicer room to finish its review without putting the deal at risk. A real estate agent experienced with assumptions in Central Texas can structure the purchase agreement to protect both buyer and seller during the wait. Start your title work early so it runs on a parallel track.<\/p>\n<\/section>\n<section>\n<h2 id=\"the-bottom-line\">The Bottom Line<\/h2>\n<p>Assumable mortgages give Texas buyers a path to a lower interest rate without originating a new loan. The state&#8217;s large Veteran population means most assumable inventory is VA-backed, though FHA and USDA loans also qualify under their own approval requirements. Conventional loans remain off the table because due-on-sale clauses block the transfer.<\/p>\n<p>The practical side comes down to closing costs, tax exposure, and federal protections. Buyers skip origination fees and discount points, which reduces upfront cash. RESPA safeguards, strengthened by the CFPB&#8217;s April 2023 updates, govern disclosure and escrow handling throughout the process. Sellers need to account for the full assumed balance in their taxable gain calculation. Knowing those mechanics before you start searching in San Antonio, Austin, or the Killeen and Fort Cavazos corridor keeps the process on track from offer through closing.<\/p>\n<\/section>\n<div class=\"rl-cta-mid\"><a class=\"rl-cta-pill\" href=\"\/lrg-blog\/connect-with-lrg\/?ref=assumable-mortgage-texas\">Connect with LRG \u2192<\/a><\/div>\n<section class=\"rl-faq\">\n<h2 id=\"frequently-asked-questions\">Frequently Asked Questions<\/h2>\n<details>\n<summary>What credit score do you need for an assumable mortgage?<\/summary>\n<p>Credit requirements vary by loan type and servicer. FHA assumptions require meeting FHA&#8217;s standard credit guidelines, though individual servicers may set their own overlays above the minimum. VA Loan assumptions follow VA credit standards, and the servicer reviews your credit, income, and debt-to-income ratios before approving the transfer. USDA assumptions require full lender approval with a credit review as well. You qualify through the existing lender&#8217;s servicing department, not a traditional loan officer, and each servicer handles assumptions differently. Ask the seller&#8217;s loan servicer for their specific credit requirements before investing time in the process.<\/p>\n<\/details>\n<details>\n<summary>How do you find assumable mortgages in Texas?<\/summary>\n<p>Start by filtering MLS listings for FHA, VA, and USDA loan types, since those are the government-backed loans eligible for assumption. Conventional loans almost always include due-on-sale clauses that block transfers. Several online platforms now specialize in aggregating assumable listings across Texas, including markets like San Antonio, Austin, and the Killeen and Fort Cavazos area. You can also work with a local agent who understands assumption transactions. Not every listing agent advertises assumability, so asking directly whether the seller&#8217;s loan is government-backed can surface opportunities that standard search filters miss.<\/p>\n<\/details>\n<details>\n<summary>Are FHA assumable mortgage homes available in Texas?<\/summary>\n<p>Yes. FHA loans are assumable by any creditworthy buyer, and Texas has a large inventory of FHA-financed homes across San Antonio, Austin, Houston, and the Dallas-Fort Worth area. The assumption process requires applying through the seller&#8217;s current loan servicer and meeting FHA&#8217;s credit and income requirements. Unlike some VA Loan assumption considerations, an FHA assumption does not require the buyer to be a Veteran or active-duty service member. The main challenge is the equity gap. You need cash or secondary financing to cover the difference between the home&#8217;s current value and the remaining loan balance.<\/p>\n<\/details>\n<details>\n<summary>What is the equity gap on an assumable mortgage?<\/summary>\n<p>The equity gap is the difference between the home&#8217;s current market value and the remaining balance on the assumable loan. In a Texas market where values have risen since the seller&#8217;s original purchase, this gap can be substantial. Buyers need to cover that difference at closing through cash, savings, or secondary financing such as a second mortgage or home equity loan. Not every lender offers secondary financing for assumption transactions, so line up your funding source early. The older the original loan, the more equity the seller has built, and the larger the gap becomes.<\/p>\n<\/details>\n<details>\n<summary>How do you sell a house with an assumable mortgage in Texas?<\/summary>\n<p>Sellers can market their below-market interest rate as a genuine selling feature. List the property with clear language about the loan type, remaining balance, and current rate so buyers know the assumption opportunity upfront. Buyers still need to qualify with your loan servicer, and closing timelines run considerably longer than standard transactions due to backlogs in servicers&#8217; specialized assumption departments. For VA Loan sellers, one critical consideration: if a non-Veteran buyer assumes your loan, your VA entitlement stays tied to that mortgage until the loan is paid off. That limits your ability to use VA financing on your next purchase.<\/p>\n<\/details>\n<details>\n<summary>How long does an assumable mortgage closing take?<\/summary>\n<p>Assumption closings take significantly longer than standard purchase transactions. The delay comes from servicers&#8217; specialized assumption departments, which handle far fewer transactions than regular origination teams and often have substantial backlogs. Plan for a much longer timeline than a conventional purchase and build that expectation into your contract from the start. Work with your agent to include assumption-specific contingency language that protects both buyer and seller if the servicer&#8217;s review extends beyond the original closing date. Sellers should also prepare for a longer period with the property under contract compared to a traditional sale.<\/p>\n<\/details>\n<\/section>\n<footer class=\"rl-resources\">\n<h2 id=\"resources-used\">Resources Used<\/h2>\n<div class=\"bullet-section-gray\">\n<ul>\n<li><a href=\"https:\/\/www.consumerfinance.gov\/rules-policy\/regulations\/1024\/\" rel=\"noopener noreferrer\" target=\"_blank\">ConsumerFinance.gov \u2014 Official Resource<\/a><\/li>\n<li><a href=\"https:\/\/comptroller.texas.gov\/taxes\/property-tax\/\" rel=\"noopener noreferrer\" target=\"_blank\">Comptroller.texas.gov \u2014 Official Resource<\/a><\/li>\n<li><a href=\"https:\/\/www.irs.gov\/publications\/p523\" rel=\"noopener noreferrer\" target=\"_blank\">Irs.gov \u2014 Official Resource<\/a><\/li>\n<li><a href=\"https:\/\/www.va.gov\/housing-assistance\/home-loans\/\" rel=\"noopener noreferrer\" target=\"_blank\">VA.gov \u2014 Official Resource<\/a><\/li>\n<\/ul>\n<\/div>\n<\/footer>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Definition \u00b7 Guide How Assumable Mortgages Work in Texas: VA, FHA, and What Buyers Need to Know Connect with LRG \u2192 An assumable mortgage lets a Texas buyer take over a seller&#8217;s existing government-backed loan at the original interest rate and remaining terms. FHA, VA, and USDA loans all qualify, while conventional mortgages with due-on-sale [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10364,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-10360","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-buying"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Assumable Mortgages Work in Texas: VA, FHA, and What Buyers Need to Know<\/title>\n<meta name=\"description\" content=\"Assumable mortgages in Texas let buyers take over VA, FHA, or USDA loans at the original rate. 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