Chris Prendergast

Chris Prendergast

(808) 388-5555

Assumable homes for sale in Otsego, MN

74 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

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

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

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

15213 Tiger Street, Ramsey, MN, 55303 — assumable FHA mortgage at 3.10%
FHA
Active
22
$425,000$118,073 equity gap
Rate
3.10%
7.40%today
Payment
$1,459/mo
$2,365today
  • 4beds
  • 3baths
  • 2,183sqft

15213 Tiger Street, Ramsey

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

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

18011 Johnson Street, Elk River, MN, 55330 — assumable FHA mortgage at 2.91%
FHA
Active
33
$345,000$163,082 equity gap
Rate
2.91%
7.40%today
Payment
$874/mo
$1,452today
  • 3beds
  • 2baths
  • 2,307sqft

18011 Johnson Street, Elk River

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

16544 62nd Street, Otsego, MN, 55374 — assumable VA mortgage at 2.99%
VA
Active
48
$749,000$298,590 equity gap
Rate
2.99%
7.40%today
Payment
$2,134/mo
$3,508today
  • 7beds
  • 5baths
  • 4,850sqft

16544 62nd Street, Otsego

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

101 Carissa Lane, Saint Michael, MN, 55376 — assumable VA mortgage at 3.02%
VA
Active
51
$425,000$175,236 equity gap
Rate
3.02%
7.40%today
Payment
$1,198/mo
$1,962today
  • 3beds
  • 2baths
  • 1,894sqft

101 Carissa Lane, Saint Michael

13761 Dorothy Drive, Rogers, MN, 55374 — assumable FHA mortgage at 3.03%
FHA
Active
54
$384,900$159,694 equity gap
Rate
3.03%
7.40%today
Payment
$1,101/mo
$1,802today
  • 4beds
  • 3baths
  • 3,063sqft

13761 Dorothy Drive, Rogers

18667 Zane Street, Elk River, MN, 55330 — assumable VA mortgage at 3.42%
VA
Active
44
$374,900$258,828 equity gap
Rate
3.42%
7.40%today
Payment
$757/mo
$1,178today
  • 3beds
  • 3baths
  • 2,328sqft

18667 Zane 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

8098 Padgett Avenue, Otsego, MN, 55330 — assumable FHA mortgage at 5.27%
FHA
Active
47
$420,000$10,293 equity gap
Rate
5.27%
7.40%today
Payment
$2,418/mo
$3,025today
  • 4beds
  • 4baths
  • 2,775sqft

8098 Padgett Avenue, Otsego

13525 Oakwood Drive, Rogers, MN, 55374 — assumable FHA mortgage at 3.53%
FHA
Active
31
$459,000$298,590 equity gap
Rate
3.53%
7.40%today
Payment
$1,062/mo
$1,632today
  • 3beds
  • 3baths
  • 2,249sqft

13525 Oakwood Drive, Rogers

9690 52nd Lane, Saint Michael, MN, 55376 — assumable VA mortgage at 5.10%
VA
Active
32
$460,000$44,640 equity gap
Rate
5.10%
7.40%today
Payment
$2,410/mo
$3,073today
  • 4beds
  • 3baths
  • 2,326sqft

9690 52nd Lane, Saint Michael

17872 Tyler Street, Elk River, MN, 55330 — assumable FHA mortgage at 3.92%
FHA
Active
46
$399,000$157,730 equity gap
Rate
3.92%
7.40%today
Payment
$1,392/mo
$2,039today
  • 5beds
  • 4baths
  • 2,875sqft

17872 Tyler Street, Elk River

13720 Vinewood Lane, Dayton, MN, 55327 — assumable FHA mortgage at 3.71%
FHA
Active
48
$439,900$233,718 equity gap
Rate
3.71%
7.40%today
Payment
$1,229/mo
$1,846today
  • 2beds
  • 3baths
  • 2,082sqft

13720 Vinewood Lane, Dayton

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

17179 Monroe Drive, Elk River, MN, 55330 — assumable VA mortgage at 3.95%
VA
Active
26
$262,000$122,382 equity gap
Rate
3.95%
7.40%today
Payment
$804/mo
$1,173today
  • 2beds
  • 2baths
  • 1,590sqft

17179 Monroe Drive, Elk River

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

8826 152nd Lane, Ramsey, MN, 55303 — assumable FHA mortgage at 6.72%
FHA
Active
14
$374,900$13,309 equity gap
Rate
6.72%
7.40%today
Payment
$2,359/mo
$2,526today
  • 4beds
  • 3baths
  • 2,087sqft

8826 152nd Lane, Ramsey

16106 71st Street, Elk River, MN, 55330 — assumable FHA mortgage at 6.78%
FHA
Active
19
$189,900Potential short sale
Rate
6.78%
7.40%today
Payment
$1,351/mo
$1,438today
  • 2beds
  • 2baths
  • 1,086sqft

16106 71st Street, Elk River

8710 Parkington Avenue, Otsego, MN, 55330 — assumable FHA mortgage at 6.83%
FHA
Active
43
$315,000Potential short sale
Rate
6.83%
7.40%today
Payment
$2,206/mo
$2,336today
  • 3beds
  • 3baths
  • 1,906sqft

8710 Parkington Avenue, Otsego

18762 Grant Street, Elk River, MN, 55330 — assumable FHA mortgage at 6.95%
FHA
Active
38
$379,000$16,318 equity gap
Rate
6.95%
7.40%today
Payment
$2,437/mo
$2,549today
  • 3beds
  • 2baths
  • 1,410sqft

18762 Grant Street, Elk River

10132 188th Avenue, Elk River, MN, 55330 — assumable FHA mortgage at 7.22%
FHA
Active
30
$360,000$13,439 equity gap
Rate
7.22%
7.40%today
Payment
$2,410/mo
$2,454today
  • 3beds
  • 2baths
  • 1,166sqft

10132 188th Avenue, Elk River

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

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

17021 61st Court, Otsego, MN, 55330 — assumable FHA mortgage at 5.51%
FHA
Active
63
$485,000$57,701 equity gap
Rate
5.51%
7.40%today
Payment
$2,584/mo
$3,147today
  • 5beds
  • 3baths
  • 2,602sqft

17021 61st Court, 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
$415 /mo
Median cash to assume
$161,340
Chris Prendergast

Chris Prendergast

20 Degrees North

chris@20degreesn.com+1808388555520 Degrees North logo
Equal Housing Opportunity

20 Degrees North 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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