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Assumable homes for sale in Otsego, MN

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

Otsego 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

10288 Kali Avenue, Albertville, MN, 55301 — assumable VA mortgage at 2.81%
VA
Active
40
$455,000$95,818 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

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

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

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

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

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

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

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 Otsego

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
$842 /mo
Median cash to assume
$54,648
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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