UMe
Get pre-qualified

Assumable homes for sale in Monticello, MN

36 homesFHA & VA loansrates from 2.20% vs 7.40% today

Monticello 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%
7.40%today
Payment
$1,644/mo
$2,666today
  • 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%
7.40%today
Payment
$1,161/mo
$1,734today
  • 4beds
  • 1baths
  • 1,232sqft

210 Euclid Avenue, Big Lake

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

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

317 River Street, Monticello, MN, 55362 — assumable FHA mortgage at 3.13%
FHA
Active
30
$290,000$105,720 equity gap
Rate
3.13%
7.40%today
Payment
$909/mo
$1,468today
  • 4beds
  • 2baths
  • 2,158sqft

317 River Street, Monticello

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

567 135th Street, Monticello, MN, 55362 — assumable FHA mortgage at 2.20%
FHA
Active
52
$679,900$427,697 equity gap
Rate
2.20%
7.40%today
Payment
$1,110/mo
$2,025today
  • 3beds
  • 3baths
  • 2,393sqft

567 135th Street, Monticello

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

8676 Fairhill Lane, Monticello, MN, 55362 — assumable VA mortgage at 2.80%
VA
Active
44
$384,900$175,317 equity gap
Rate
2.80%
7.40%today
Payment
$972/mo
$1,638today
  • 5beds
  • 2baths
  • 2,231sqft

8676 Fairhill Lane, Monticello

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%
7.40%today
Payment
$111/mo
$180today
  • 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%
7.40%today
Payment
$657/mo
$1,012today
  • 5beds
  • 2baths
  • 2,372sqft

4330 Sterling Drive, Big Lake

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

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

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

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%
7.40%today
Payment
$703/mo
$1,091today
  • 2beds
  • 1baths
  • 1,250sqft

371 Phyllis Street, Big Lake

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

8526 Gateway Circle, Monticello, MN, 55362 — assumable FHA mortgage at 4.72%
FHA
Active
34
$315,000$74,503 equity gap
Rate
4.72%
7.40%today
Payment
$1,346/mo
$1,793today
  • 3beds
  • 2baths
  • 1,904sqft

8526 Gateway Circle, Monticello

3765 Woodside Drive, Monticello, MN, 55362 — assumable VA mortgage at 4.15%
VA
Active
46
$360,000$172,576 equity gap
Rate
4.15%
7.40%today
Payment
$1,133/mo
$1,613today
  • 4beds
  • 3baths
  • 2,072sqft

3765 Woodside 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%
7.40%today
Payment
$3,180/mo
$3,572today
  • 4beds
  • 3baths
  • 2,776sqft

12238 62nd Street, 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%
7.40%today
Payment
$1,668/mo
$1,683today
  • 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%
7.40%today
Payment
$2,061/mo
$2,043today
  • 3beds
  • 3baths
  • 1,715sqft

18971 Sanford Avenue, Big Lake

851 Lake Street, Big Lake, MN, 55309 — assumable FHA mortgage at 5.70%
FHA
Active
53
$270,000$50,019 equity gap
Rate
5.70%
7.40%today
Payment
$1,353/mo
$1,615today
  • 3beds
  • 1baths
  • 1,053sqft

851 Lake Street, Big Lake

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

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

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

705 River Street, Monticello, MN, 55362 — assumable VA mortgage at 6.95%
VA
Active
46
$398,500$46,128 equity gap
Rate
6.95%
7.40%today
Payment
$2,423/mo
$2,534today
  • 4beds
  • 3baths
  • 2,664sqft

705 River Street, Monticello

4465 86th Street, Monticello, MN, 55362 — assumable FHA mortgage at 6.70%
FHA
Active
34
$529,000$134,416 equity gap
Rate
6.70%
7.40%today
Payment
$2,667/mo
$2,862today
  • 4beds
  • 3baths
  • 2,806sqft

4465 86th Street, Monticello

593 Forest Road, Big Lake, MN, 55309 — assumable FHA mortgage at 6.96%
FHA
Active
31
$329,900$77,263 equity gap
Rate
6.96%
7.40%today
Payment
$1,699/mo
$1,775today
  • 4beds
  • 2baths
  • 1,740sqft

593 Forest Road, Big Lake

4964 Jamocha Avenue, Saint Michael, MN, 55376 — assumable FHA mortgage at 6.50%
FHA
Active
32
$433,620$433,620 equity gap
Rate
6.50%
7.40%today
Payment
$0/mo
  • 3beds
  • 2baths
  • 1,485sqft

4964 Jamocha Avenue, Saint Michael

11170 68th Street, Albertville, MN, 55301 — assumable FHA mortgage at 6.50%
FHA
Active
34
$410,000$265,788 equity gap
Rate
6.50%
7.40%today
Payment
$1,501/mo
$1,644today
  • 3beds
  • 3baths
  • 2,512sqft

11170 68th Street, Albertville

4124 Eaton Circle, Monticello, MN, 55362 — assumable FHA mortgage at 6.57%
FHA
Active
19
$384,999$20,853 equity gap
Rate
6.57%
7.40%today
Payment
$2,406/mo
$2,617today
  • 3beds
  • 2baths
  • 1,357sqft

4124 Eaton Circle, Monticello

2641 Oak Ridge Drive, Monticello, MN, 55362 — assumable FHA mortgage at 6.63%
FHA
Active
24
$385,000$371,092 equity gap
Rate
6.63%
7.40%today
Payment
$94/mo
$101today
  • 4beds
  • 3baths
  • 2,266sqft

2641 Oak Ridge Drive, Monticello

9243 Goodrich Drive, Monticello, MN, 55362 — assumable FHA mortgage at 6.76%
FHA
Active
29
$226,000$162,986 equity gap
Rate
6.76%
7.40%today
Payment
$415/mo
$443today
  • 3beds
  • 2baths
  • 1,488sqft

9243 Goodrich Drive, Monticello

10695 51st Street, Albertville, MN, 55301 — assumable VA mortgage at 6.94%
VA
Active
14
$350,000Potential short sale
Rate
6.94%
7.40%today
Payment
$2,750/mo
$2,880today
  • 5beds
  • 3baths
  • 2,220sqft

10695 51st Street, Albertville

12368 62nd Street, Otsego, MN, 55301 — assumable VA mortgage at 7.08%
VA
Active
45
$460,000Potential short sale
Rate
7.08%
7.40%today
Payment
$3,576/mo
$3,692today
  • 6beds
  • 3baths
  • 2,599sqft

12368 62nd Street, Otsego

Assuming a mortgage in Monticello

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
2.20%
Lowest existing payment
$415 /mo
Median cash to assume
$96,727
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