2.90% VA
$209,950
$766/mo
5324 CAPISTRANO Drive
El Paso, TX
3 bd3 ba— sqft
El Paso, Texas
Keep the rate.
Buy the home in El Paso.
457 assumable homes for sale in El Paso, with locked rates from 2.15%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.17%
vs 7.2% market
$434/mo saved
Median locked rate
5.17%
Across 457 assumable listings
Typical monthly savings
$434
On a $285,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in El Paso
Homes with a rate worth keeping
2.94% VA
$285,000
$982/mo
10217 SINGAPORE Avenue
El Paso, TX
3 bd3 ba— sqft
3.14% FHA
$270,000
$927/mo
348 BIRD Avenue
El Paso, TX
4 bd3 ba— sqft
3.14% VA
$495,000
$1,854/mo
1460 PIONEER RIDGE Drive
El Paso, TX
3 bd3 ba— sqft
3.45% FHA
$200,000
$776/mo
10892 REEF SANDS Drive
El Paso, TX
3 bd2 ba— sqft
3.45% VA
$465,000
$1,740/mo
6969 Granero Drive
El Paso, TX
5 bd4 ba— sqft
Inventory snapshot
What’s assumable in El Paso right now
Live counts from the MLS feeds we index for Texas. Updated September 2026.
- Active listings
- 457
- Certified / verified
- 0
- Lowest rate
- 2.15%
- Median rate
- 5.17%
- Median list price
- $285,000
- Median cash to assume
- $108,251
Listings by locked rate
- Under 4%173 homes
- 4% – 5%47 homes
- 5% – 6%35 homes
- 6% and up197 homes
Listings by loan type
- VA257 homesmedian 4.98%
- FHA200 homesmedian 5.33%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by El Paso ZIP code
- 79938
152 assumable homes · median 4.05%
median $275,000
- 79928
61 assumable homes · median 6.27%
median $312,700
- 79934
53 assumable homes · median 5.25%
median $268,000
- 79924
38 assumable homes · median 6.35%
median $226,250
- 79912
33 assumable homes · median 3.87%
median $449,999
- 79936
32 assumable homes · median 5.29%
median $279,450
- 79911
23 assumable homes · median 4.30%
median $377,000
- 79932
15 assumable homes · median 4.17%
median $369,000
Nearby markets
More assumable homes in Texas
- Horizon City43
- Socorro21
- Canutillo5
- Anthony4
- San Elizario3
- Alpine
- Clint
- Dell City
- Fabens
- Fort Hancock
- Marfa
- Pecos
- Salt Flat
- Sierra Blanca
- Tornillo
- Van Horn
- Vinton
Run your numbers
The cost of waiting in El Paso.
A 7.2% new loan against an assumable one at 5.17%, same balance, 30 years.
You keep every month
$300/mo
Over a year$3,599
Monthly payment, side by side
7.2% vs 5.17%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in El Paso
Numbers below come from current El Paso inventory and update as listings change.
- How many assumable homes are for sale in El Paso?
- As of September 2026, UMe tracks 457 active assumable listings in El Paso. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in El Paso?
- Current El Paso inventory breaks down as VA (257, median 4.98%) and FHA (200, median 5.33%). FHA, VA, and USDA mortgages are assumable by law, which is why they make up nearly all assumable listings. Conventional loans usually carry a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan, though the seller's entitlement stays tied up unless you substitute your own.
- What is the lowest assumable mortgage rate in El Paso right now?
- The lowest rate on an active El Paso assumable listing is 2.15%, and the median across all 457 listings is 5.17%. 173 listings are under 4% and 220 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
- How much can I save with a mortgage assumption in El Paso?
- Across current El Paso listings, the median principal-and-interest payment on the assumable loan is $1,118 per month versus $1,552 for the same balance at today's rates, a difference of about $434 every month, or $5,210 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
- How much money do I need to assume a home in El Paso?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In El Paso that gap is currently a median of $108,251 on a median list price of $285,000. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
- Which El Paso ZIP codes have the most assumable homes?
- The El Paso ZIP codes with the most active assumable listings are 79938 (152), 79928 (61), 79934 (53), 79924 (38), and 79912 (33). Use the map to draw your own boundary or filter by rate, payment, and down payment inside any of them.
- How long does a mortgage assumption take in El Paso?
- Most FHA and VA assumptions close in 45 to 90 days. The loan servicer, not a new lender, underwrites you, and servicer turnaround is the main variable. UMe tracks the file with the servicer and the listing agent so nothing stalls, and every listing shows whether the assumption has already been confirmed with the seller's side.
Ready when you are
Stop overpaying for El Paso.
Every listing on the map has a rate you can take over. Start with the ones in Texas, or list your own low-rate loan and let buyers come to you.
