UMe
Get pre-qualified

Assumable homes for sale in White Bear Lake, MN

45 homesFHA & VA loansrates from 2.75% vs 7.32% today

White Bear Lake assumption guide
3811 Restwood Road, Circle Pines, MN, 55014 — assumable FHA mortgage at 2.96%
FHA
Active
12
$595,000$144,840 equity gap
Rate
2.96%
7.32%today
Payment
$2,140/mo
$3,504today
  • 8beds
  • 4baths
  • 3,328sqft

3811 Restwood Road, Circle Pines

5667 138th Street, Hugo, MN, 55038 — assumable VA mortgage at 3.04%
VA
Active
32
$299,900$82,923 equity gap
Rate
3.04%
7.32%today
Payment
$1,040/mo
$1,687today
  • 2beds
  • 3baths
  • 1,800sqft

5667 138th Street, Hugo

171 Hanson Road, Mahtomedi, MN, 55115 — assumable VA mortgage at 3.55%
VA
Active
11
$315,000$41,019 equity gap
Rate
3.55%
7.32%today
Payment
$1,362/mo
$2,071today
  • 4beds
  • 2baths
  • 1,670sqft

171 Hanson Road, Mahtomedi

8653 Brant Street, Circle Pines, MN, 55014 — assumable VA mortgage at 2.81%
VA
Active
29
$389,000$135,116 equity gap
Rate
2.81%
7.32%today
Payment
$1,190/mo
$1,987today
  • 3beds
  • 2baths
  • 1,780sqft

8653 Brant Street, Circle Pines

1626 Woodlynn Avenue #1, Maplewood, MN, 55109 — assumable FHA mortgage at 2.88%
FHA
Active
23
$285,000$113,171 equity gap
Rate
2.88%
7.32%today
Payment
$801/mo
$1,325today
  • 3beds
  • 3baths
  • 1,603sqft

1626 Woodlynn Avenue #1, Maplewood

5142 French Drive, Hugo, MN, 55038 — assumable FHA mortgage at 3.02%
FHA
Active
53
$299,900$90,675 equity gap
Rate
3.02%
7.32%today
Payment
$994/mo
$1,616today
  • 4beds
  • 3baths
  • 1,983sqft

5142 French Drive, Hugo

3102 Manitou Drive, White Bear Lake, MN, 55110 — assumable VA mortgage at 3.14%
VA
Active
35
$299,990$102,723 equity gap
Rate
3.14%
7.32%today
Payment
$942/mo
$1,507today
  • 2beds
  • 2baths
  • 1,270sqft

3102 Manitou Drive, White Bear Lake

15240 Fanning Drive, Hugo, MN, 55038 — assumable FHA mortgage at 3.18%
FHA
Active
22
$285,000$103,629 equity gap
Rate
3.18%
7.32%today
Payment
$883/mo
$1,406today
  • 3beds
  • 3baths
  • 1,982sqft

15240 Fanning Drive, Hugo

2819 Helen Street, North Saint Paul, MN, 55109 — assumable VA mortgage at 2.75%
VA
Active
60
$379,900$216,447 equity gap
Rate
2.75%
7.32%today
Payment
$759/mo
$1,278today
  • 3beds
  • 2baths
  • 1,832sqft

2819 Helen Street, North Saint Paul

4292 Heritage Drive, Vadnais Heights, MN, 55127 — assumable FHA mortgage at 2.88%
FHA
Active
32
$399,900$213,089 equity gap
Rate
2.88%
7.32%today
Payment
$889/mo
$1,470today
  • 3beds
  • 3baths
  • 2,062sqft

4292 Heritage Drive, Vadnais Heights

5574 135th Street, Hugo, MN, 55038 — assumable VA mortgage at 3.09%
VA
Active
40
$625,000$324,706 equity gap
Rate
3.09%
7.32%today
Payment
$1,429/mo
$2,301today
  • 3beds
  • 3baths
  • 2,957sqft

5574 135th Street, Hugo

4856 Helena Lane #11, Oakdale, MN, 55128 — assumable VA mortgage at 4.06%
VA
Active
24
$224,900$67,230 equity gap
Rate
4.06%
7.32%today
Payment
$884/mo
$1,262today
  • 2beds
  • 2baths
  • 1,407sqft

4856 Helena Lane #11, Oakdale

4470 Rosemary Way #8, Hugo, MN, 55038 — assumable FHA mortgage at 3.375%
FHA
Active
33
$300,000$200,826 equity gap
Rate
3.375%
7.32%today
Payment
$562/mo
$874today
  • 2beds
  • 3baths
  • 1,781sqft

4470 Rosemary Way #8, Hugo

1105 Iris Drive, White Bear Lake, MN, 55127 — assumable FHA mortgage at 3.68%
FHA
Active
31
$348,000$138,018 equity gap
Rate
3.68%
7.32%today
Payment
$1,147/mo
$1,701today
  • 3beds
  • 3baths
  • 2,276sqft

1105 Iris Drive, White Bear Lake

3441 Maureen Lane, Stillwater, MN, 55082 — assumable FHA mortgage at 3.42%
FHA
Active
64
$335,000$171,072 equity gap
Rate
3.42%
7.32%today
Payment
$939/mo
$1,450today
  • 3beds
  • 3baths
  • 1,822sqft

3441 Maureen Lane, Stillwater

6570 Upper 35th Street, Oakdale, MN, 55128 — assumable FHA mortgage at 3.49%
FHA
Active
23
$220,000$133,496 equity gap
Rate
3.49%
7.32%today
Payment
$536/mo
$822today
  • 2beds
  • 2baths
  • 1,302sqft

6570 Upper 35th Street, Oakdale

2841 Riviera Drive, White Bear Lake, MN, 55110 — assumable FHA mortgage at 3.57%
FHA
Active
43
$399,999$213,967 equity gap
Rate
3.57%
7.32%today
Payment
$1,092/mo
$1,656today
  • 3beds
  • 2baths
  • 1,824sqft

2841 Riviera Drive, White Bear Lake

1623 Highway 96, White Bear Lake, MN, 55110 — assumable FHA mortgage at 3.57%
FHA
Active
27
$360,000$174,266 equity gap
Rate
3.57%
7.32%today
Payment
$978/mo
$1,484today
  • 2beds
  • 2baths
  • 1,538sqft

1623 Highway 96, White Bear Lake

5420 134th Street, Hugo, MN, 55038 — assumable VA mortgage at 5.10%
VA
Active
27
$385,000$26,063 equity gap
Rate
5.10%
7.32%today
Payment
$2,082/mo
$2,635today
  • 4beds
  • 2baths
  • 1,882sqft

5420 134th Street, Hugo

2697 8th Avenue, North Saint Paul, MN, 55109 — assumable FHA mortgage at 3.64%
FHA
Active
34
$300,000$166,182 equity gap
Rate
3.64%
7.32%today
Payment
$788/mo
$1,185today
  • 3beds
  • 2baths
  • 1,496sqft

2697 8th Avenue, North Saint Paul

4 Shepherd Court, Circle Pines, MN, 55014 — assumable VA mortgage at 3.67%
VA
Active
28
$359,000$217,926 equity gap
Rate
3.67%
7.32%today
Payment
$874/mo
$1,309today
  • 4beds
  • 2baths
  • 1,749sqft

4 Shepherd Court, Circle Pines

4836 Grenwich Trail, Oakdale, MN, 55128 — assumable VA mortgage at 5.52%
VA
Active
24
$163,000Potential short sale
Rate
5.52%
7.32%today
Payment
$1,019/mo
$1,230today
  • 2beds
  • 1baths
  • 956sqft

4836 Grenwich Trail, Oakdale

5710 Turtle Lake Road, Shoreview, MN, 55126 — assumable FHA mortgage at 3.75%
FHA
Active
26
$485,000$341,149 equity gap
Rate
3.75%
7.32%today
Payment
$1,009/mo
$1,497today
  • 5beds
  • 2baths
  • 2,662sqft

5710 Turtle Lake Road, Shoreview

13540 Fiona Avenue, Hugo, MN, 55038 — assumable FHA mortgage at 3.87%
FHA
Active
47
$390,000$214,687 equity gap
Rate
3.87%
7.32%today
Payment
$1,084/mo
$1,584today
  • 3beds
  • 2baths
  • 1,774sqft

13540 Fiona Avenue, Hugo

430 County Road B2, Roseville, MN, 55113 — assumable FHA mortgage at 3.92%
FHA
Active
30
$385,000$193,455 equity gap
Rate
3.92%
7.32%today
Payment
$1,114/mo
$1,618today
  • 5beds
  • 2baths
  • 2,205sqft

430 County Road B2, Roseville

8 Golden Lake Road, Circle Pines, MN, 55014 — assumable FHA mortgage at 4.00%
FHA
Active
26
$360,000$192,408 equity gap
Rate
4.00%
7.32%today
Payment
$1,083/mo
$1,558today
  • 4beds
  • 2baths
  • 1,989sqft

8 Golden Lake Road, Circle Pines

2735 Century Court, White Bear Lake, MN, 55110 — assumable FHA mortgage at 5.52%
FHA
Active
24
$309,900$28,383 equity gap
Rate
5.52%
7.32%today
Payment
$1,701/mo
$2,054today
  • 3beds
  • 3baths
  • 2,052sqft

2735 Century Court, White Bear Lake

3814 97th Lane, Circle Pines, MN, 55014 — assumable FHA mortgage at 4.15%
FHA
Active
14
$319,900$164,773 equity gap
Rate
4.15%
7.32%today
Payment
$937/mo
$1,325today
  • 3beds
  • 2baths
  • 2,106sqft

3814 97th Lane, Circle Pines

1735 Birch Lake Avenue, White Bear Lake, MN, 55110 — assumable FHA mortgage at 4.16%
FHA
Active
41
$323,000Potential short sale
Rate
4.16%
7.32%today
Payment
$1,720/mo
$2,428today
  • 3beds
  • 2baths
  • 1,567sqft

1735 Birch Lake Avenue, White Bear Lake

4043 Heath Lane, Oakdale, MN, 55128 — assumable VA mortgage at 6.93%
VA
Active
59
$565,000$18,733 equity gap
Rate
6.93%
7.32%today
Payment
$3,666/mo
$3,812today
  • 4beds
  • 3baths
  • 2,487sqft

4043 Heath Lane, Oakdale

7294 Meadow Court, Lino Lakes, MN, 55014 — assumable FHA mortgage at 4.45%
FHA
Active
43
$419,000$170,152 equity gap
Rate
4.45%
7.32%today
Payment
$1,493/mo
$2,036today
  • 4beds
  • 2baths
  • 2,129sqft

7294 Meadow Court, Lino Lakes

1548 Legacy Parkway, Maplewood, MN, 55109 — assumable FHA mortgage at 6.10%
FHA
Active
26
$344,500$23,130 equity gap
Rate
6.10%
7.32%today
Payment
$1,957/mo
$2,219today
  • 3beds
  • 3baths
  • 1,857sqft

1548 Legacy Parkway, Maplewood

109 Woodridge Lane, Lino Lakes, MN, 55014 — assumable FHA mortgage at 6.54%
FHA
Active
5
$550,000$46,737 equity gap
Rate
6.54%
7.32%today
Payment
$3,327/mo
$3,601today
  • 4beds
  • 4baths
  • 3,617sqft

109 Woodridge Lane, Lino Lakes

4864 Bloom Avenue, White Bear Lake, MN, 55110 — assumable VA mortgage at 6.64%
VA
Active
25
$392,000$32,590 equity gap
Rate
6.64%
7.32%today
Payment
$2,373/mo
$2,542today
  • 3beds
  • 2baths
  • 2,406sqft

4864 Bloom Avenue, White Bear Lake

11020 Yalta Street #C, Blaine, MN, 55449 — assumable VA mortgage at 6.87%
VA
Active
40
$335,000$18,473 equity gap
Rate
6.87%
7.32%today
Payment
$2,124/mo
$2,222today
  • 3beds
  • 3baths
  • 1,769sqft

11020 Yalta Street #C, Blaine

2625 Seans Way, North Saint Paul, MN, 55109 — assumable FHA mortgage at 6.12%
FHA
Active
40
$445,000$50,852 equity gap
Rate
6.12%
7.32%today
Payment
$2,504/mo
$2,833today
  • 4beds
  • 2baths
  • 2,185sqft

2625 Seans Way, North Saint Paul

Assuming a mortgage in White Bear Lake

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
2.75%
Lowest existing payment
$536 /mo
Median cash to assume
$133,496
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.

UMe