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Assumable homes for sale in Big Lake, MN

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

Big Lake assumption guide
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

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

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

18950 243rd Avenue, Big Lake, MN, 55309 — assumable VA mortgage at 2.98%
VA
Active
26
$500,000$242,266 equity gap
Rate
2.98%
7.40%today
Payment
$1,220/mo
$2,008today
  • 2beds
  • 1baths
  • 2,432sqft

18950 243rd Avenue, Big Lake

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

24605 140th Street, Zimmerman, MN, 55398 — assumable FHA mortgage at 3.57%
FHA
Active
26
$359,900$209,595 equity gap
Rate
3.57%
7.40%today
Payment
$867/mo
$1,326today
  • 3beds
  • 2baths
  • 1,344sqft

24605 140th Street, Zimmerman

13474 Forrest Drive, Becker, MN, 55308 — assumable VA mortgage at 4.99%
VA
Active
35
$339,900$38,762 equity gap
Rate
4.99%
7.40%today
Payment
$1,722/mo
$2,224today
  • 4beds
  • 2baths
  • 1,903sqft

13474 Forrest Drive, Becker

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

18335 241 1/2 Avenue, Big Lake, MN, 55309 — assumable FHA mortgage at 4.17%
FHA
Active
12
$419,900$251,823 equity gap
Rate
4.17%
7.40%today
Payment
$1,015/mo
$1,442today
  • 4beds
  • 2baths
  • 2,100sqft

18335 241 1/2 Avenue, Big Lake

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

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

Assuming a mortgage in Big 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 7.40%), so you can see the saving before you tour.

Lowest existing rate
2.20%
Lowest existing payment
$415 /mo
Median cash to assume
$105,606
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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