VA
Active
34$284,900$84,884 equity gap
- Rate
- 2.87%
7.40%today- Payment
- $933/mo
$1,558today
- 3beds
- 2baths
- 1,718sqft
Saint Augusta, Minnesota
Assumable homes for salein Saint Augusta, Minnesota.
1 home in Saint Augusta carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 6.81%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Saint Augusta assumable market
by the numbers.
1active assumable listing
6.81%lowest locked rate
$428kmedian list price
$190saved per month vs. 7.2%
About the market
Assumable mortgagesin Saint Augusta, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Minnesota, filtered to Saint Augusta. Updated October 2026.
How assumptions work for buyersSaint Augusta, 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 Saint Augusta assumable listings start at 6.81% with a median of 6.81%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Saint Augusta lists for $427,900, with a median of $38,021 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 $2,579 a month versus $2,768 for the same balance at today's rate, roughly $190 kept every month and $2,276 a year. The most active Saint Augusta ZIP codes are 56301 (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 Saint Augusta assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Saint Augusta
View all 1 on the map Homes on the marketin Saint Augusta.
VA
Active
26$254,900$63,063 equity gap
- Rate
- 2.98%
7.40%today- Payment
- $908/mo
$1,495today
- 4beds
- 2baths
- 2,120sqft
908 Brenda Lee Drive, Saint Cloud
FHA
Active
23$233,000$47,172 equity gap
- Rate
- 3.05%
7.40%today- Payment
- $874/mo
$1,427today
- 4beds
- 2baths
- 2,022sqft
1614 12th Avenue, Saint Cloud
FHA
Active
$230,000$90,425 equity gap
- Rate
- 2.91%
7.40%today- Payment
- $674/mo
$1,120today
- 3beds
- 3baths
- 2,080sqft
1002 10th Avenue, Saint Cloud
VA
Active
44$557,000$203,132 equity gap
- Rate
- 2.96%
7.40%today- Payment
- $1,671/mo
$2,758today
- 4beds
- 4baths
- 3,338sqft
3408 Old Creek Way, Sauk Rapids
VA
Active
54$209,999$63,775 equity gap
- Rate
- 2.98%
7.40%today- Payment
- $693/mo
$1,142today
- 3beds
- 3baths
- 1,550sqft
830 Mckinley Place, Saint Cloud
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 Saint Augusta.
Live counts from the MLS feeds we index for Minnesota. Updated October 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 6.81%
- Median rate
- 6.81%
- Median list price
- $427,900
- Median cash to assume
- $38,021
Saint Augusta listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Saint Augusta listings by loan type
- FHA1 homemedian 6.81%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Saint Augusta ZIP code.
Each ZIP opens the Saint Augusta map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Saint Augusta numbers
What an assumable ratedoes to a Saint Augusta payment.
The sliders start at the median Saint Augusta assumable listing: $427,900 list price and a 6.81% 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)$40,000
9% 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 Saint Augusta
$2,668/mo
New loan at 7.20%$2,647
Assumed at 6.80%
$2,668
Every month$0
Over five years$0
Interest you never pay$120,74026-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 Saint Augusta listing on UMe shows the actual balance, rate, and payment.
How it works in Saint Augusta
How to assumea mortgage in Saint Augusta.
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 Saint Augusta home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Saint Augusta 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 $38,021 in Saint Augusta 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 Saint Augusta payment written in a different decade.
Saint Augusta questions
Assuming a mortgagein Saint Augusta.
The numbers below come from current Saint Augusta inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Saint Augusta?
As of October 2026, UMe tracks 1 active assumable listing in Saint Augusta. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Saint Augusta?
Current Saint Augusta inventory breaks down as FHA (1, median 6.81%). 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 Saint Augusta?
The lowest rate on an active Saint Augusta assumable listing is 6.81%, and the median across all 1 listing is 6.81%. 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 Saint Augusta?
Across current Saint Augusta listings, the median principal-and-interest payment on the assumable loan is $2,579 per month versus $2,768 for the same balance at today's rates, a difference of about $190 every month, or $2,276 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 Saint Augusta?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Saint Augusta that gap is currently a median of $38,021 on a median list price of $427,900. 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 Saint Augusta ZIP codes have the most assumable homes?
The Saint Augusta ZIP codes with the most active assumable listings are 56301 (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 Saint Augusta?
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 Saint Augusta.The rate is already on the house.
Every listing on the Saint Augusta map has a rate you can take over. Start with the ones in Saint Augusta, get pre-qualified in minutes, and let UMe carry the assumption to closing.
