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Assumable homes for sale in St. Michael, MN

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

St. Michael 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

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

12789 Breckenridge Lane, Rogers, MN, 55374 — assumable VA mortgage at 2.88%
VA
Active
45
$469,000$117,726 equity gap
Rate
2.88%
7.32%today
Payment
$1,633/mo
$2,702today
  • 3beds
  • 3baths
  • 2,070sqft

12789 Breckenridge Lane, Rogers

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

8676 Fairhill Lane, Monticello, MN, 55362 — assumable VA mortgage at 2.80%
VA
Active
44
$384,900$175,317 equity gap
Rate
2.80%
7.32%today
Payment
$972/mo
$1,625today
  • 5beds
  • 2baths
  • 2,231sqft

8676 Fairhill Lane, Monticello

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

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

10761 Crow Hassan Park Road, Hanover, MN, 55341 — assumable FHA mortgage at 3.10%
FHA
Active
47
$350,000$201,422 equity gap
Rate
3.10%
7.32%today
Payment
$702/mo
$1,129today
  • 4beds
  • 2baths
  • 1,870sqft

10761 Crow Hassan Park Road, Hanover

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

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

3765 Woodside Drive, Monticello, MN, 55362 — assumable VA mortgage at 4.15%
VA
Active
46
$360,000$172,576 equity gap
Rate
4.15%
7.32%today
Payment
$1,133/mo
$1,601today
  • 4beds
  • 3baths
  • 2,072sqft

3765 Woodside Drive, Monticello

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

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

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

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

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

8358 Lamont Avenue, Otsego, MN, 55330 — assumable FHA mortgage at 6.34%
FHA
Active
47
$540,000$30,607 equity gap
Rate
6.34%
7.32%today
Payment
$3,194/mo
$3,529today
  • 5beds
  • 3baths
  • 2,682sqft

8358 Lamont Avenue, Otsego

20840 Hidden Ponds Drive, Rogers, MN, 55374 — assumable VA mortgage at 6.95%
VA
Active
81
$615,000$46,147 equity gap
Rate
6.95%
7.32%today
Payment
$3,851/mo
$3,996today
  • 5beds
  • 4baths
  • 3,842sqft

20840 Hidden Ponds Drive, Rogers

12258 71st Street, Elk River, MN, 55330 — assumable FHA mortgage at 7.50%
FHA
Active
30
$454,000$31,206 equity gap
Rate
7.50%
7.32%today
Payment
$3,041/mo
$2,988today
  • 4beds
  • 4baths
  • 2,242sqft

12258 71st Street, Elk River

8302 Parkview Avenue, Otsego, MN, 55330 — assumable FHA mortgage at 6.11%
FHA
Active
28
$250,000$44,603 equity gap
Rate
6.11%
7.32%today
Payment
$1,310/mo
$1,484today
  • 2beds
  • 2baths
  • 1,660sqft

8302 Parkview Avenue, Otsego

7905 Lambert Avenue, Otsego, MN, 55301 — assumable FHA mortgage at 6.81%
FHA
Active
38
$439,900$54,648 equity gap
Rate
6.81%
7.32%today
Payment
$2,608/mo
$2,745today
  • 5beds
  • 3baths
  • 2,373sqft

7905 Lambert Avenue, Otsego

11601 19th Street, Saint Michael, MN, 55376 — assumable VA mortgage at 4.875%
VA
Active
42
$619,990$619,990 equity gap
Rate
4.875%
7.32%today
Payment
$0/mo
  • 4beds
  • 3baths
  • 2,958sqft

11601 19th Street, Saint Michael

2730 Kepler Avenue, Saint Michael, MN, 55376 — assumable VA mortgage at 4.875%
VA
Active
19
$316,990$316,990 equity gap
Rate
4.875%
7.32%today
Payment
$0/mo
  • 3beds
  • 3baths
  • 1,921sqft

2730 Kepler Avenue, Saint Michael

23145 Creekview Court, Rogers, MN, 55374 — assumable FHA mortgage at 4.875%
FHA
Active
21
$347,990$347,990 equity gap
Rate
4.875%
7.32%today
Payment
$0/mo
  • 3beds
  • 3baths
  • 1,667sqft

23145 Creekview Court, Rogers

23157 Creekview Court, Rogers, MN, 55374 — assumable FHA mortgage at 4.875%
FHA
Active
21
$347,990$347,990 equity gap
Rate
4.875%
7.32%today
Payment
$0/mo
  • 3beds
  • 3baths
  • 1,667sqft

23157 Creekview Court, Rogers

Assuming a mortgage in St. Michael

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
$172,576
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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