2.38% VA
$425,000
$1,458/mo
1935 Bay City Place
El Paso, TX
5 bd3 ba— sqft
Horizon City, Texas
Keep the rate.
Buy the home in Horizon City.
43 assumable homes for sale in Horizon City, with locked rates from 2.68%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.33%
vs 7.2% market
$318/mo saved
Median locked rate
6.33%
Across 43 assumable listings
Typical monthly savings
$318
On a $265,000 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 Horizon City
Homes with a rate worth keeping
2.88% FHA
$314,950
$1,239/mo
991 HULL Street
El Paso, TX
3 bd2 ba— sqft
3.10% VA
$284,950
$1,131/mo
15028 Resolve Drive
El Paso, TX
3 bd2 ba— sqft
3.45% VA
$298,000
$1,230/mo
12517 PASEO RAE Avenue
El Paso, TX
3 bd3 ba— sqft
2.84% VA
$299,000
$975/mo
14504 JACLYN MARIE Street
El Paso, TX
4 bd3 ba— sqft
2.87% VA
$269,000
$933/mo
2508 PLAYA
El Paso, TX
4 bd2 ba— sqft
Inventory snapshot
What’s assumable in Horizon City right now
Live counts from the MLS feeds we index for Texas. Updated September 2026.
- Active listings
- 43
- Certified / verified
- 0
- Lowest rate
- 2.68%
- Median rate
- 6.33%
- Median list price
- $265,000
- Median cash to assume
- $47,964
Listings by locked rate
- Under 4%14 homes
- 4% – 5%2 homes
- 5% – 6%1 home
- 6% and up26 homes
Listings by loan type
- VA24 homesmedian 6.34%
- FHA19 homesmedian 6.30%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Horizon City ZIP code
Nearby markets
More assumable homes in Texas
- El Paso458
- 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 Horizon City.
A 7.2% new loan against an assumable one at 6.33%, same balance, 30 years.
You keep every month
$123/mo
Over a year$1,472
Monthly payment, side by side
7.2% vs 6.33%
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 Horizon City
Numbers below come from current Horizon City inventory and update as listings change.
- How many assumable homes are for sale in Horizon City?
- As of September 2026, UMe tracks 43 active assumable listings in Horizon City. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Horizon City?
- Current Horizon City inventory breaks down as VA (24, median 6.34%) and FHA (19, median 6.30%). 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 Horizon City right now?
- The lowest rate on an active Horizon City assumable listing is 2.68%, and the median across all 43 listings is 6.33%. 14 listings are under 4% and 16 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 Horizon City?
- Across current Horizon City listings, the median principal-and-interest payment on the assumable loan is $1,380 per month versus $1,698 for the same balance at today's rates, a difference of about $318 every month, or $3,813 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 Horizon City?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Horizon City that gap is currently a median of $47,964 on a median list price of $265,000. 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 Horizon City ZIP codes have the most assumable homes?
- The Horizon City ZIP codes with the most active assumable listings are 79928 (43). 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 Horizon City?
- 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 Horizon City.
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.
