FHA
Active
46$244,900$96,803 equity gap
- Rate
- 2.78%
7.40%today- Payment
- $684/mo
$1,155today
- 3beds
- 2baths
- 2,399sqft
Brownsdale, Minnesota
Assumable homes for salein Brownsdale, Minnesota.
1 home in Brownsdale carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 5.21%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Brownsdale assumable market
by the numbers.
1active assumable listing
5.21%lowest locked rate
$165kmedian list price
$89saved per month vs. 7.2%
About the market
Assumable mortgagesin Brownsdale, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Minnesota, filtered to Brownsdale. Updated October 2026.
How assumptions work for buyersBrownsdale, Minnesota has 1 home for sale with an assumable mortgage as of October 2026: 1 FHA loan that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active Brownsdale assumable listings start at 5.21% with a median of 5.21%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Brownsdale lists for $164,900, with a median of $126,839 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $325 a month versus $414 for the same balance at today's rate, roughly $89 kept every month and $1,070 a year. The most active Brownsdale ZIP codes are 55918 (1).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most Brownsdale assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Brownsdale
View all 1 on the map Homes on the marketin Brownsdale.
VA
Active
17$149,900$50,781 equity gap
- Rate
- 3.01%
7.40%today- Payment
- $547/mo
$844today
- 2beds
- 2baths
- 1,056sqft
1513 5th Avenue, Austin
FHA
Active
26$204,900$100,927 equity gap
- Rate
- 3.08%
7.40%today- Payment
- $502/mo
$816today
- 3beds
- 2baths
- 1,608sqft
1600 4th Avenue, Austin
VA
Active
41$259,898$62,176 equity gap
- Rate
- 4.16%
7.40%today- Payment
- $1,046/mo
$1,487today
- 4beds
- 3baths
- 2,318sqft
1109 3rd Street, Austin
FHA
Active
15$184,900$128,781 equity gap
- Rate
- 3.46%
7.40%today- Payment
- $322/mo
$500today
- 3beds
- 2baths
- 2,020sqft
804 13th Avenue, Austin
FHA
Active
32$190,000$143,689 equity gap
- Rate
- 3.65%
7.40%today- Payment
- $320/mo
$484today
- 3beds
- 2baths
- 1,218sqft
1906 4th Avenue, Austin
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin Brownsdale.
Live counts from the MLS feeds we index for Minnesota. Updated October 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 5.21%
- Median rate
- 5.21%
- Median list price
- $164,900
- Median cash to assume
- $126,839
Brownsdale listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up0 homes
Brownsdale listings by loan type
- FHA1 homemedian 5.21%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Brownsdale ZIP code.
Each ZIP opens the Brownsdale map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Brownsdale numbers
What an assumable ratedoes to a Brownsdale payment.
The sliders start at the median Brownsdale assumable listing: $164,900 list price and a 5.21% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$115,000
70% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Brownsdale
$293/mo
New loan at 7.20%$339
Assumed at 5.20%
$293
Every month$47
Over five years$2,808
Interest you never pay$30,89526-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Brownsdale listing on UMe shows the actual balance, rate, and payment.
How it works in Brownsdale
How to assumea mortgage in Brownsdale.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find a Brownsdale home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Brownsdale map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $126,839 in Brownsdale today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and a Brownsdale payment written in a different decade.
Brownsdale questions
Assuming a mortgagein Brownsdale.
The numbers below come from current Brownsdale inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Brownsdale?
As of October 2026, UMe tracks 1 active assumable listing in Brownsdale. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Brownsdale?
Current Brownsdale inventory breaks down as FHA (1, median 5.21%). FHA, VA, and USDA mortgages are assumable by law, which is why they make up nearly all assumable listings. Conventional loans usually carry a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan, though the seller's entitlement stays tied up unless you substitute your own.
What is the lowest assumable mortgage rate in Brownsdale?
The lowest rate on an active Brownsdale assumable listing is 5.21%, and the median across all 1 listing is 5.21%. 0 listings are under 4% and 0 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Brownsdale?
Across current Brownsdale listings, the median principal-and-interest payment on the assumable loan is $325 per month versus $414 for the same balance at today's rates, a difference of about $89 every month, or $1,070 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
How much money do I need to assume a home in Brownsdale?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Brownsdale that gap is currently a median of $126,839 on a median list price of $164,900. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
Which Brownsdale ZIP codes have the most assumable homes?
The Brownsdale ZIP codes with the most active assumable listings are 55918 (1). Use the map to draw your own boundary or filter by rate, payment, and down payment inside any of them.
How long does a mortgage assumption take in Brownsdale?
Most FHA and VA assumptions close in 45 to 90 days. The loan servicer, not a new lender, underwrites you, and servicer turnaround is the main variable. UMe tracks the file with the servicer and the listing agent so nothing stalls, and every listing shows whether the assumption has already been confirmed with the seller's side.
Nearby markets
All of Minnesota More assumable homesin Minnesota.
Ready when you are
Stop overpaying for Brownsdale.The rate is already on the house.
Every listing on the Brownsdale map has a rate you can take over. Start with the ones in Brownsdale, get pre-qualified in minutes, and let UMe carry the assumption to closing.