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Assumable homes for sale in St. Cloud, MN

41 homesFHA & VA loansrates from 2.66% vs 7.18% today

St. Cloud assumption guide
1670 Peach Court, Sauk Rapids, MN, 56379 — assumable VA mortgage at 2.87%
VA
Active
34
$284,900$85,338 equity gap
Rate
2.87%
7.18%today
Payment
$933/mo
$1,524today
  • 3beds
  • 2baths
  • 1,718sqft

1670 Peach Court, Sauk Rapids

1614 12th Avenue, Saint Cloud, MN, 56304 — assumable FHA mortgage at 3.05%
FHA
Active
23
$233,000$47,574 equity gap
Rate
3.05%
7.18%today
Payment
$874/mo
$1,396today
  • 4beds
  • 2baths
  • 2,022sqft

1614 12th Avenue, Saint Cloud

120 4th Avenue, Saint Cloud, MN, 56304 — assumable FHA mortgage at 3.13%
FHA
Active
24
$199,000$58,501 equity gap
Rate
3.13%
7.18%today
Payment
$682/mo
$1,078today
  • 4beds
  • 2baths
  • 83sqft

120 4th Avenue, Saint Cloud

1002 10th Avenue, Saint Cloud, MN, 56303 — assumable FHA mortgage at 2.91%
FHA
Active
$230,000$90,760 equity gap
Rate
2.91%
7.18%today
Payment
$674/mo
$1,096today
  • 3beds
  • 3baths
  • 2,080sqft

1002 10th Avenue, Saint Cloud

3408 Old Creek Way, Sauk Rapids, MN, 56379 — assumable VA mortgage at 2.96%
VA
Active
44
$547,000$193,930 equity gap
Rate
2.96%
7.18%today
Payment
$1,671/mo
$2,698today
  • 4beds
  • 4baths
  • 3,338sqft

3408 Old Creek Way, Sauk Rapids

830 Mckinley Place, Saint Cloud, MN, 56301 — assumable VA mortgage at 2.98%
VA
Active
54
$209,999$63,775 equity gap
Rate
2.98%
7.18%today
Payment
$693/mo
$1,117today
  • 3beds
  • 3baths
  • 1,550sqft

830 Mckinley Place, Saint Cloud

1025 4th Street, Sartell, MN, 56377 — assumable FHA mortgage at 3.07%
FHA
Active
22
$339,900$106,825 equity gap
Rate
3.07%
7.18%today
Payment
$1,106/mo
$1,762today
  • 4beds
  • 2baths
  • 2,300sqft

1025 4th Street, Sartell

4755 Mayflower Road, Sauk Rapids, MN, 56379 — assumable FHA mortgage at 2.66%
FHA
Active
61
$349,900$191,647 equity gap
Rate
2.66%
7.18%today
Payment
$1,441/mo
$1,942today
  • 4beds
  • 2baths
  • 2,008sqft

4755 Mayflower Road, Sauk Rapids

1041 17th Avenue, Saint Cloud, MN, 56301 — assumable FHA mortgage at 3.70%
FHA
Active
28
$144,900$52,667 equity gap
Rate
3.70%
7.18%today
Payment
$491/mo
$723today
  • 2beds
  • 1baths
  • 1,280sqft

1041 17th Avenue, Saint Cloud

2041 Northway Circle, Saint Cloud, MN, 56303 — assumable FHA mortgage at 4.99%
FHA
Active
44
$265,000$39,579 equity gap
Rate
4.99%
7.18%today
Payment
$1,295/mo
$1,636today
  • 4beds
  • 2baths
  • 1,946sqft

2041 Northway Circle, Saint Cloud

2610 Ocarina Drive, Sauk Rapids, MN, 56379 — assumable FHA mortgage at 3.99%
FHA
Active
23
$305,000$126,783 equity gap
Rate
3.99%
7.18%today
Payment
$992/mo
$1,409today
  • 3beds
  • 2baths
  • 1,630sqft

2610 Ocarina Drive, Sauk Rapids

1018 3rd Street, Sauk Rapids, MN, 56379 — assumable FHA mortgage at 5.09%
FHA
Active
32
$239,500$51,431 equity gap
Rate
5.09%
7.18%today
Payment
$1,092/mo
$1,364today
  • 3beds
  • 2baths
  • 1,848sqft

1018 3rd Street, Sauk Rapids

1213 15th Street, Sartell, MN, 56377 — assumable FHA mortgage at 6.54%
FHA
Active
12
$299,900$4,592 equity gap
Rate
6.54%
7.18%today
Payment
$1,916/mo
$2,045today
  • 4beds
  • 2baths
  • 2,185sqft

1213 15th Street, Sartell

436 9th Street, Waite Park, MN, 56387 — assumable VA mortgage at 6.54%
VA
Active
44
$319,800$24,731 equity gap
Rate
6.54%
7.18%today
Payment
$1,949/mo
$2,080today
  • 4beds
  • 4baths
  • 3,004sqft

436 9th Street, Waite Park

4706 8th Street Loop, Saint Cloud, MN, 56304 — assumable FHA mortgage at 6.72%
FHA
Active
43
$354,900$20,409 equity gap
Rate
6.72%
7.18%today
Payment
$2,190/mo
$2,295today
  • 5beds
  • 3baths
  • 2,285sqft

4706 8th Street Loop, Saint Cloud

704 Watab Court, Sartell, MN, 56377 — assumable FHA mortgage at 6.72%
FHA
Active
48
$309,900$22,646 equity gap
Rate
6.72%
7.18%today
Payment
$1,879/mo
$1,969today
  • 3beds
  • 2baths
  • 1,861sqft

704 Watab Court, Sartell

1204 Whitney Drive, Saint Cloud, MN, 56303 — assumable FHA mortgage at 6.78%
FHA
Active
27
$275,000$17,020 equity gap
Rate
6.78%
7.18%today
Payment
$1,725/mo
$1,796today
  • 4beds
  • 2baths
  • 1,926sqft

1204 Whitney Drive, Saint Cloud

623 7th Street, Saint Cloud, MN, 56304 — assumable VA mortgage at 7.09%
VA
Active
39
$269,900$27,691 equity gap
Rate
7.09%
7.18%today
Payment
$1,680/mo
$1,695today
  • 3beds
  • 2baths
  • 1,570sqft

623 7th Street, Saint Cloud

5520 Hawk Court, Saint Cloud, MN, 56303 — assumable VA mortgage at 6.27%
VA
Active
20
$299,900$38,601 equity gap
Rate
6.27%
7.18%today
Payment
$1,687/mo
$1,852today
  • 3beds
  • 3baths
  • 1,907sqft

5520 Hawk Court, Saint Cloud

288 Park Avenue, Saint Cloud, MN, 56301 — assumable VA mortgage at 6.50%
VA
Active
24
$275,000$28,544 equity gap
Rate
6.50%
7.18%today
Payment
$1,574/mo
$1,687today
  • 2beds
  • 2baths
  • 1,520sqft

288 Park Avenue, Saint Cloud

422 19th Avenue, Sartell, MN, 56377 — assumable FHA mortgage at 6.77%
FHA
Active
31
$355,000$47,169 equity gap
Rate
6.77%
7.18%today
Payment
$2,050/mo
$2,137today
  • 4beds
  • 3baths
  • 2,522sqft

422 19th Avenue, Sartell

918 11th Street, Sartell, MN, 56377 — assumable VA mortgage at 6.82%
VA
Active
21
$310,000$42,989 equity gap
Rate
6.82%
7.18%today
Payment
$1,796/mo
$1,862today
  • 4beds
  • 2baths
  • 1,778sqft

918 11th Street, Sartell

1801 Eastern Star Loop, Sauk Rapids, MN, 56379 — assumable FHA mortgage at 6.87%
FHA
Active
13
$299,000$36,693 equity gap
Rate
6.87%
7.18%today
Payment
$1,764/mo
$1,820today
  • 5beds
  • 2baths
  • 2,480sqft

1801 Eastern Star Loop, Sauk Rapids

1347 9th Avenue, Saint Cloud, MN, 56303 — assumable FHA mortgage at 6.87%
FHA
Active
36
$245,000$37,620 equity gap
Rate
6.87%
7.18%today
Payment
$1,389/mo
$1,433today
  • 4beds
  • 2baths
  • 1,712sqft

1347 9th Avenue, Saint Cloud

1105 Broadway Avenue, Sauk Rapids, MN, 56379 — assumable FHA mortgage at 6.89%
FHA
Active
34
$265,000$30,030 equity gap
Rate
6.89%
7.18%today
Payment
$1,581/mo
$1,628today
  • 4beds
  • 3baths
  • 2,009sqft

1105 Broadway Avenue, Sauk Rapids

1769 Poppy Road, Saint Cloud, MN, 56303 — assumable VA mortgage at 6.92%
VA
Active
34
$304,900$43,348 equity gap
Rate
6.92%
7.18%today
Payment
$1,764/mo
$1,811today
  • 3beds
  • 2baths
  • 2,048sqft

1769 Poppy Road, Saint Cloud

239 32nd Avenue, Saint Cloud, MN, 56303 — assumable FHA mortgage at 6.99%
FHA
Active
37
$169,900$19,928 equity gap
Rate
6.99%
7.18%today
Payment
$1,021/mo
$1,041today
  • 2beds
  • 1baths
  • 1,232sqft

239 32nd Avenue, Saint Cloud

612 5th Avenue, Saint Cloud, MN, 56304 — assumable FHA mortgage at 7.18%
FHA
Active
15
$194,900$28,178 equity gap
Rate
7.18%
7.18%today
Payment
$1,164/mo
$1,164today
  • 2beds
  • 1baths
  • 1,054sqft

612 5th Avenue, Saint Cloud

5945 Tee To Green Street, Saint Cloud, MN, 56304 — assumable VA mortgage at 6.35%
VA
Active
48
$500,000$120,997 equity gap
Rate
6.35%
7.18%today
Payment
$2,457/mo
$2,675today
  • 5beds
  • 4baths
  • 2,882sqft

5945 Tee To Green Street, Saint Cloud

231 22nd Avenue, Saint Cloud, MN, 56303 — assumable FHA mortgage at 6.43%
FHA
Active
32
$225,000$45,626 equity gap
Rate
6.43%
7.18%today
Payment
$1,171/mo
$1,264today
  • 3beds
  • 2baths
  • 1,265sqft

231 22nd Avenue, Saint Cloud

5708 Nightingale Court, Saint Cloud, MN, 56303 — assumable FHA mortgage at 6.82%
FHA
Active
48
$449,900$115,957 equity gap
Rate
6.82%
7.18%today
Payment
$2,241/mo
$2,324today
  • 6beds
  • 3baths
  • 5,393sqft

5708 Nightingale Court, Saint Cloud

1417 Lavender Ave S, Sartell, MN, 56377 — assumable FHA mortgage at 6.90%
FHA
Active
38
$540,000$130,741 equity gap
Rate
6.90%
7.18%today
Payment
$2,819/mo
$2,900today
  • 5beds
  • 3baths
  • 3,234sqft

1417 Lavender Ave S, Sartell

141 36th Avenue, Saint Cloud, MN, 56303 — assumable FHA mortgage at 5.25%
FHA
Active
25
$240,000$123,703 equity gap
Rate
5.25%
7.18%today
Payment
$688/mo
$844today
  • 3beds
  • 2baths
  • 1,152sqft

141 36th Avenue, Saint Cloud

1017 25th Avenue, Saint Cloud, MN, 56303 — assumable FHA mortgage at 5.42%
FHA
Active
25
$227,000$197,845 equity gap
Rate
5.42%
7.18%today
Payment
$153/mo
$190today
  • 4beds
  • 2baths
  • 1,536sqft

1017 25th Avenue, Saint Cloud

250 29th Avenue, Saint Cloud, MN, 56304 — assumable VA mortgage at 6.63%
VA
Active
32
$330,000Potential short sale
Rate
6.63%
7.18%today
Payment
$2,460/mo
$2,601today
  • 4beds
  • 3baths
  • 2,325sqft

250 29th Avenue, Saint Cloud

2541 14 1/2 Avenue, Saint Cloud, MN, 56304 — assumable FHA mortgage at 6.65%
FHA
Active
42
$365,000$349,024 equity gap
Rate
6.65%
7.18%today
Payment
$105/mo
$111today
  • 5beds
  • 3baths
  • 2,906sqft

2541 14 1/2 Avenue, Saint Cloud

Assuming a mortgage in St. Cloud

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 7.18%), so you can see the saving before you tour.

Lowest existing rate
2.66%
Lowest existing payment
$491/mo
Median cash to assume
$51,431
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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