Pick the Texas guide for statewide rules or the DFW guide for local steps.
How a formal loan assumption works when you sell in Texas: FHA, VA and USDA approval rules, release of liability, VA entitlement and the TREC addenda.
Read the guideLetting a buyer assume your loan in Dallas-Fort Worth: county clerk records and fraud alerts, appraisal and tax lookups, and local legal and counseling help.
Read the guideHow a subject-to home sale works in Texas: the due-on-sale clause and its federal limits, insurance gaps, your credit exposure and Texas wrap loan rules.
Read the guideAfter a subject-to sale in Dallas-Fort Worth, your loan stays yours. Where to set fraud alerts, check posted foreclosure notices and confirm taxes get paid.
Read the guideCan someone take over your mortgage payments in Texas? Compare a lender-approved assumption, a subject-to deal and a payoff sale, and the risks for sellers.
Read the guideLetting someone take over your mortgage in Dallas-Fort Worth? Set up a county fraud alert, track taxes on the house and find local help before you sign.
Read the guide