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Assumable homes for sale in Otsego, MN

68 homesFHA & VA loansrates from 2.77% vs 7.32% today

Otsego assumption guide
4998 Kama Lane, Albertville, MN, 55301 — assumable VA mortgage at 3.10%
VA
Active
32
$419,000$72,328 equity gap
Rate
3.10%
7.32%today
Payment
$1,644/mo
$2,645today
  • 4beds
  • 4baths
  • 2,630sqft

4998 Kama Lane, Albertville

210 Euclid Avenue, Big Lake, MN, 55309 — assumable FHA mortgage at 3.76%
FHA
Active
27
$235,000$5,843 equity gap
Rate
3.76%
7.32%today
Payment
$1,161/mo
$1,720today
  • 4beds
  • 1baths
  • 1,232sqft

210 Euclid Avenue, Big Lake

13413 Riverview Drive, Elk River, MN, 55330 — assumable FHA mortgage at 2.81%
FHA
Active
18
$374,900$104,687 equity gap
Rate
2.81%
7.32%today
Payment
$1,273/mo
$2,125today
  • 5beds
  • 2baths
  • 2,126sqft

13413 Riverview Drive, Elk River

7474 Lamont Avenue, Otsego, MN, 55301 — assumable FHA mortgage at 3.13%
FHA
Active
46
$399,990$105,492 equity gap
Rate
3.13%
7.32%today
Payment
$1,459/mo
$2,338today
  • 4beds
  • 4baths
  • 2,372sqft

7474 Lamont Avenue, Otsego

10669 74th Street, Otsego, MN, 55301 — assumable FHA mortgage at 4.42%
FHA
Active
91
$365,000$33,094 equity gap
Rate
4.42%
7.32%today
Payment
$1,804/mo
$2,469today
  • 3beds
  • 3baths
  • 2,247sqft

10669 74th Street, Otsego

7356 Kalland Circle, Otsego, MN, 55301 — assumable VA mortgage at 2.77%
VA
Active
26
$309,900$127,286 equity gap
Rate
2.77%
7.32%today
Payment
$842/mo
$1,414today
  • 3beds
  • 3baths
  • 2,069sqft

7356 Kalland Circle, Otsego

19106 Engle Wood Drive, Big Lake, MN, 55309 — assumable FHA mortgage at 2.88%
FHA
Active
59
$314,900$292,181 equity gap
Rate
2.88%
7.32%today
Payment
$111/mo
$179today
  • 3beds
  • 2baths
  • 1,560sqft

19106 Engle Wood Drive, Big Lake

4330 Sterling Drive, Big Lake, MN, 55309 — assumable VA mortgage at 2.90%
VA
Active
28
$399,900$288,329 equity gap
Rate
2.90%
7.32%today
Payment
$657/mo
$1,005today
  • 5beds
  • 2baths
  • 2,372sqft

4330 Sterling Drive, Big Lake

18011 Johnson Street, Elk River, MN, 55330 — assumable FHA mortgage at 2.91%
FHA
Active
33
$345,000$163,082 equity gap
Rate
2.91%
7.32%today
Payment
$874/mo
$1,441today
  • 3beds
  • 2baths
  • 2,307sqft

18011 Johnson Street, Elk River

11462 53rd Street, Albertville, MN, 55301 — assumable FHA mortgage at 2.98%
FHA
Active
38
$429,900$177,131 equity gap
Rate
2.98%
7.32%today
Payment
$1,227/mo
$2,004today
  • 4beds
  • 3baths
  • 2,506sqft

11462 53rd Street, Albertville

16544 62nd Street, Otsego, MN, 55374 — assumable VA mortgage at 2.99%
VA
Active
48
$749,000$299,601 equity gap
Rate
2.99%
7.32%today
Payment
$2,134/mo
$3,481today
  • 7beds
  • 5baths
  • 4,850sqft

16544 62nd Street, Otsego

18566 147th Street, Elk River, MN, 55330 — assumable VA mortgage at 3.31%
VA
Active
35
$395,000$144,247 equity gap
Rate
3.31%
7.32%today
Payment
$1,272/mo
$1,992today
  • 4beds
  • 2baths
  • 2,016sqft

18566 147th Street, Elk River

101 Carissa Lane, Saint Michael, MN, 55376 — assumable VA mortgage at 3.02%
VA
Active
51
$419,900$170,136 equity gap
Rate
3.02%
7.32%today
Payment
$1,198/mo
$1,947today
  • 4beds
  • 2baths
  • 1,894sqft

101 Carissa Lane, Saint Michael

13761 Dorothy Drive, Rogers, MN, 55374 — assumable FHA mortgage at 3.03%
FHA
Active
54
$384,900$159,694 equity gap
Rate
3.03%
7.32%today
Payment
$1,101/mo
$1,788today
  • 4beds
  • 3baths
  • 3,063sqft

13761 Dorothy Drive, Rogers

18667 Zane Street, Elk River, MN, 55330 — assumable VA mortgage at 3.42%
VA
Active
44
$374,900$258,828 equity gap
Rate
3.42%
7.32%today
Payment
$757/mo
$1,169today
  • 3beds
  • 3baths
  • 2,328sqft

18667 Zane Street, Elk River

18153 203rd Avenue, Big Lake, MN, 55309 — assumable FHA mortgage at 3.42%
FHA
Active
35
$375,000$223,459 equity gap
Rate
3.42%
7.32%today
Payment
$865/mo
$1,337today
  • 3beds
  • 2baths
  • 2,430sqft

18153 203rd Avenue, Big Lake

11172 76th Street, Otsego, MN, 55301 — assumable FHA mortgage at 4.72%
FHA
Active
29
$242,500$28,207 equity gap
Rate
4.72%
7.32%today
Payment
$1,200/mo
$1,585today
  • 2beds
  • 2baths
  • 1,525sqft

11172 76th Street, Otsego

371 Phyllis Street, Big Lake, MN, 55309 — assumable FHA mortgage at 3.45%
FHA
Active
29
$240,000$96,793 equity gap
Rate
3.45%
7.32%today
Payment
$703/mo
$1,082today
  • 2beds
  • 1baths
  • 1,250sqft

371 Phyllis Street, Big Lake

8098 Padgett Avenue, Otsego, MN, 55330 — assumable FHA mortgage at 5.27%
FHA
Active
47
$420,000$10,293 equity gap
Rate
5.27%
7.32%today
Payment
$2,418/mo
$3,001today
  • 4beds
  • 4baths
  • 2,775sqft

8098 Padgett Avenue, Otsego

13525 Oakwood Drive, Rogers, MN, 55374 — assumable FHA mortgage at 3.53%
FHA
Active
33
$459,000$298,590 equity gap
Rate
3.53%
7.32%today
Payment
$1,062/mo
$1,619today
  • 3beds
  • 3baths
  • 2,249sqft

13525 Oakwood Drive, Rogers

9690 52nd Lane, Saint Michael, MN, 55376 — assumable VA mortgage at 5.10%
VA
Active
32
$460,000$45,284 equity gap
Rate
5.10%
7.32%today
Payment
$2,410/mo
$3,049today
  • 4beds
  • 3baths
  • 2,326sqft

9690 52nd Lane, Saint Michael

17872 Tyler Street, Elk River, MN, 55330 — assumable FHA mortgage at 3.92%
FHA
Active
46
$399,000$157,730 equity gap
Rate
3.92%
7.32%today
Payment
$1,392/mo
$2,023today
  • 5beds
  • 4baths
  • 2,875sqft

17872 Tyler Street, Elk River

8526 Gateway Circle, Monticello, MN, 55362 — assumable FHA mortgage at 4.72%
FHA
Active
34
$315,000$74,503 equity gap
Rate
4.72%
7.32%today
Payment
$1,346/mo
$1,779today
  • 3beds
  • 2baths
  • 1,904sqft

8526 Gateway Circle, Monticello

17179 Monroe Drive, Elk River, MN, 55330 — assumable VA mortgage at 3.95%
VA
Active
26
$262,000$122,382 equity gap
Rate
3.95%
7.32%today
Payment
$804/mo
$1,164today
  • 2beds
  • 2baths
  • 1,590sqft

17179 Monroe Drive, Elk River

4998 Mitchell Road, Big Lake, MN, 55309 — assumable VA mortgage at 4.17%
VA
Active
63
$314,900$165,611 equity gap
Rate
4.17%
7.32%today
Payment
$901/mo
$1,271today
  • 3beds
  • 2baths
  • 1,792sqft

4998 Mitchell Road, Big Lake

9354 Goodrich Drive, Monticello, MN, 55362 — assumable FHA mortgage at 4.19%
FHA
Active
20
$324,900$205,907 equity gap
Rate
4.19%
7.32%today
Payment
$806/mo
$1,133today
  • 5beds
  • 2baths
  • 2,094sqft

9354 Goodrich Drive, Monticello

12238 62nd Street, Otsego, MN, 55301 — assumable VA mortgage at 6.26%
VA
Active
7
$530,000$19,145 equity gap
Rate
6.26%
7.32%today
Payment
$3,180/mo
$3,544today
  • 4beds
  • 3baths
  • 2,776sqft

12238 62nd Street, Otsego

8826 152nd Lane, Ramsey, MN, 55303 — assumable FHA mortgage at 6.72%
FHA
Active
14
$369,900$8,644 equity gap
Rate
6.72%
7.32%today
Payment
$2,359/mo
$2,506today
  • 4beds
  • 3baths
  • 2,087sqft

8826 152nd Lane, Ramsey

16106 71st Street, Elk River, MN, 55330 — assumable FHA mortgage at 6.78%
FHA
Active
19
$189,900Potential short sale
Rate
6.78%
7.32%today
Payment
$1,351/mo
$1,427today
  • 2beds
  • 2baths
  • 1,086sqft

16106 71st Street, Elk River

8710 Parkington Avenue, Otsego, MN, 55330 — assumable FHA mortgage at 6.83%
FHA
Active
43
$315,000Potential short sale
Rate
6.83%
7.32%today
Payment
$2,206/mo
$2,317today
  • 3beds
  • 3baths
  • 1,906sqft

8710 Parkington Avenue, Otsego

18762 Grant Street, Elk River, MN, 55330 — assumable FHA mortgage at 6.95%
FHA
Active
38
$379,000$16,318 equity gap
Rate
6.95%
7.32%today
Payment
$2,437/mo
$2,529today
  • 3beds
  • 2baths
  • 1,410sqft

18762 Grant Street, Elk River

6142 Maclynn Avenue, Otsego, MN, 55301 — assumable FHA mortgage at 7.31%
FHA
Active
16
$239,900$3,708 equity gap
Rate
7.31%
7.32%today
Payment
$1,668/mo
$1,669today
  • 2beds
  • 2baths
  • 1,472sqft

6142 Maclynn Avenue, Otsego

18971 Sanford Avenue, Big Lake, MN, 55309 — assumable FHA mortgage at 7.49%
FHA
Active
26
$299,900$12,838 equity gap
Rate
7.49%
7.32%today
Payment
$2,061/mo
$2,027today
  • 3beds
  • 3baths
  • 1,715sqft

18971 Sanford Avenue, Big Lake

7924 Palmgren Avenue, Otsego, MN, 55330 — assumable FHA mortgage at 4.37%
FHA
Active
28
$430,000$285,896 equity gap
Rate
4.37%
7.32%today
Payment
$999/mo
$1,375today
  • 4beds
  • 4baths
  • 2,352sqft

7924 Palmgren Avenue, Otsego

851 Lake Street, Big Lake, MN, 55309 — assumable FHA mortgage at 5.70%
FHA
Active
53
$270,000$50,328 equity gap
Rate
5.70%
7.32%today
Payment
$1,353/mo
$1,602today
  • 3beds
  • 1baths
  • 1,053sqft

851 Lake Street, Big Lake

17182 Nixon Court, Elk River, MN, 55330 — assumable FHA mortgage at 6.28%
FHA
Active
32
$243,500$15,554 equity gap
Rate
6.28%
7.32%today
Payment
$1,468/mo
$1,632today
  • 2beds
  • 2baths
  • 1,422sqft

17182 Nixon Court, Elk River

Assuming a mortgage in Otsego

An assumable mortgage lets you buy the home and take over the seller’s existing FHA, VA or USDA loan—its rate, balance and remaining term included. Each listing above shows the existing rate and payment next to what the same loan would cost at today’s rates (about 7.32%), so you can see the saving before you tour.

Lowest existing rate
2.77%
Lowest existing payment
$415 /mo
Median cash to assume
$161,340
Equal Housing Opportunity

UMe is committed to and abides by the Fair Housing Act and Equal Opportunity. Listing data is refreshed daily from participating MLS feeds; existing loan terms are estimates until verified with the servicer.

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