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Assumable homes for sale in Elk River, MN

50 homesFHA & VA loansrates from 2.77% vs 7.40% today

Elk River assumption guide
15459 Iodine Ridge, Ramsey, MN, 55303 — assumable FHA mortgage at 3.09%
FHA
Active
50
$270,000$50,000 equity gap
Rate
3.09%
7.40%today
Payment
$1,047/mo
$1,699today
  • 3beds
  • 3baths
  • 1,763sqft

15459 Iodine Ridge, Ramsey

4998 Kama Lane, Albertville, MN, 55301 — assumable VA mortgage at 3.10%
VA
Active
32
$419,000$72,328 equity gap
Rate
3.10%
7.40%today
Payment
$1,644/mo
$2,666today
  • 4beds
  • 4baths
  • 2,630sqft

4998 Kama Lane, Albertville

10288 Kali Avenue, Albertville, MN, 55301 — assumable VA mortgage at 2.81%
VA
Active
40
$455,000$96,661 equity gap
Rate
2.81%
7.40%today
Payment
$1,684/mo
$2,833today
  • 4beds
  • 3baths
  • 3,007sqft

10288 Kali Avenue, 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%
7.40%today
Payment
$1,273/mo
$2,141today
  • 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%
7.40%today
Payment
$1,459/mo
$2,357today
  • 4beds
  • 4baths
  • 2,372sqft

7474 Lamont Avenue, Otsego

15513 Sodium Street, Ramsey, MN, 55303 — assumable FHA mortgage at 3.18%
FHA
Active
17
$219,900$61,705 equity gap
Rate
3.18%
7.40%today
Payment
$788/mo
$1,265today
  • 3beds
  • 3baths
  • 1,390sqft

15513 Sodium Street, Ramsey

10669 74th Street, Otsego, MN, 55301 — assumable FHA mortgage at 4.42%
FHA
Active
91
$365,000$32,515 equity gap
Rate
4.42%
7.40%today
Payment
$1,804/mo
$2,488today
  • 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%
7.40%today
Payment
$842/mo
$1,425today
  • 3beds
  • 3baths
  • 2,069sqft

7356 Kalland Circle, Otsego

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%
7.40%today
Payment
$874/mo
$1,452today
  • 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%
7.40%today
Payment
$1,227/mo
$2,020today
  • 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$298,590 equity gap
Rate
2.99%
7.40%today
Payment
$2,134/mo
$3,508today
  • 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%
7.40%today
Payment
$1,272/mo
$2,008today
  • 4beds
  • 2baths
  • 2,016sqft

18566 147th Street, Elk River

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%
7.40%today
Payment
$757/mo
$1,178today
  • 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%
7.40%today
Payment
$865/mo
$1,347today
  • 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%
7.40%today
Payment
$1,200/mo
$1,598today
  • 2beds
  • 2baths
  • 1,525sqft

11172 76th Street, Otsego

14729 Krypton Street, Ramsey, MN, 55303 — assumable FHA mortgage at 3.44%
FHA
Active
49
$515,000$270,918 equity gap
Rate
3.44%
7.40%today
Payment
$1,400/mo
$2,175today
  • 4beds
  • 3baths
  • 3,161sqft

14729 Krypton Street, Ramsey

8098 Padgett Avenue, Otsego, MN, 55330 — assumable FHA mortgage at 5.27%
FHA
Active
47
$420,000$10,293 equity gap
Rate
5.27%
7.40%today
Payment
$2,418/mo
$3,025today
  • 4beds
  • 4baths
  • 2,775sqft

8098 Padgett Avenue, Otsego

16001 Nowthen Boulevard, Ramsey, MN, 55303 — assumable FHA mortgage at 3.59%
FHA
Active
44
$459,900$306,872 equity gap
Rate
3.59%
7.40%today
Payment
$902/mo
$1,376today
  • 6beds
  • 4baths
  • 3,286sqft

16001 Nowthen Boulevard, Ramsey

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%
7.40%today
Payment
$2,410/mo
$3,073today
  • 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%
7.40%today
Payment
$1,392/mo
$2,039today
  • 5beds
  • 4baths
  • 2,875sqft

17872 Tyler Street, Elk River

6650 153rd Lane, Ramsey, MN, 55303 — assumable FHA mortgage at 3.64%
FHA
Active
32
$399,000$221,193 equity gap
Rate
3.64%
7.40%today
Payment
$939/mo
$1,423today
  • 4beds
  • 3baths
  • 1,983sqft

6650 153rd Lane, Ramsey

6925 169th Lane, Ramsey, MN, 55303 — assumable FHA mortgage at 3.75%
FHA
Active
51
$544,900$332,980 equity gap
Rate
3.75%
7.40%today
Payment
$1,498/mo
$2,240today
  • 4beds
  • 3baths
  • 2,558sqft

6925 169th Lane, Ramsey

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%
7.40%today
Payment
$804/mo
$1,173today
  • 2beds
  • 2baths
  • 1,590sqft

17179 Monroe Drive, Elk River

12238 62nd Street, Otsego, MN, 55301 — assumable VA mortgage at 6.26%
VA
Active
7
$530,000$19,145 equity gap
Rate
6.26%
7.40%today
Payment
$3,180/mo
$3,572today
  • 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$8,309 equity gap
Rate
6.72%
7.40%today
Payment
$2,359/mo
$2,526today
  • 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%
7.40%today
Payment
$1,351/mo
$1,438today
  • 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%
7.40%today
Payment
$2,206/mo
$2,336today
  • 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%
7.40%today
Payment
$2,437/mo
$2,549today
  • 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%
7.40%today
Payment
$1,668/mo
$1,683today
  • 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%
7.40%today
Payment
$999/mo
$1,386today
  • 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%
7.40%today
Payment
$1,468/mo
$1,645today
  • 2beds
  • 2baths
  • 1,422sqft

17182 Nixon Court, Elk River

8358 Lamont Avenue, Otsego, MN, 55330 — assumable FHA mortgage at 6.34%
FHA
Active
47
$560,000$50,607 equity gap
Rate
6.34%
7.40%today
Payment
$3,194/mo
$3,557today
  • 5beds
  • 3baths
  • 2,682sqft

8358 Lamont Avenue, Otsego

7085 148th Lane, Ramsey, MN, 55303 — assumable FHA mortgage at 6.62%
FHA
Active
22
$389,900$37,135 equity gap
Rate
6.62%
7.40%today
Payment
$2,324/mo
$2,515today
  • 3beds
  • 2baths
  • 2,194sqft

7085 148th Lane, Ramsey

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%
7.40%today
Payment
$3,041/mo
$3,012today
  • 4beds
  • 4baths
  • 2,242sqft

12258 71st Street, Elk River

8689 146th Lane, Anoka, MN, 55303 — assumable FHA mortgage at 6.69%
FHA
Active
36
$420,000$44,140 equity gap
Rate
6.69%
7.40%today
Payment
$2,513/mo
$2,699today
  • 5beds
  • 3baths
  • 2,824sqft

8689 146th Lane, Anoka

7905 Lambert Avenue, Otsego, MN, 55301 — assumable FHA mortgage at 6.81%
FHA
Active
38
$439,900$54,648 equity gap
Rate
6.81%
7.40%today
Payment
$2,608/mo
$2,767today
  • 5beds
  • 3baths
  • 2,373sqft

7905 Lambert Avenue, Otsego

Assuming a mortgage in Elk River

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 7.40%), so you can see the saving before you tour.

Lowest existing rate
2.77%
Lowest existing payment
$757 /mo
Median cash to assume
$105,492
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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