Chris Prendergast

Chris Prendergast

(808) 388-5555

Assumable homes for sale in St. Cloud, MN

45 homesFHA & VA loansrates from 2.31% vs 7.40% today

St. Cloud assumption guide
26 4th Avenue, Saint Joseph, MN, 56374 — assumable FHA mortgage at 3.45%
FHA
Active
25
$287,000$41,485 equity gap
Rate
3.45%
7.40%today
Payment
$1,205/mo
$1,870today
  • 4beds
  • 2baths
  • 2,126sqft

26 4th Avenue, Saint Joseph

1670 Peach Court, Sauk Rapids, MN, 56379 — assumable VA mortgage at 2.87%
VA
Active
34
$284,900$84,884 equity gap
Rate
2.87%
7.40%today
Payment
$933/mo
$1,558today
  • 3beds
  • 2baths
  • 1,718sqft

1670 Peach Court, Sauk Rapids

908 Brenda Lee Drive, Saint Cloud, MN, 56303 — assumable VA mortgage at 2.98%
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

1614 12th Avenue, Saint Cloud, MN, 56304 — assumable FHA mortgage at 3.05%
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

1002 10th Avenue, Saint Cloud, MN, 56303 — assumable FHA mortgage at 2.91%
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

3408 Old Creek Way, Sauk Rapids, MN, 56379 — assumable VA mortgage at 2.96%
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

830 Mckinley Place, Saint Cloud, MN, 56301 — assumable VA mortgage at 2.98%
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

1025 4th Street, Sartell, MN, 56377 — assumable FHA mortgage at 3.07%
FHA
Active
22
$339,900$106,316 equity gap
Rate
3.07%
7.40%today
Payment
$1,106/mo
$1,801today
  • 4beds
  • 2baths
  • 2,300sqft

1025 4th Street, Sartell

850 Meadowlawn Court, Sartell, MN, 56377 — assumable VA mortgage at 3.23%
VA
Active
56
$539,900$185,945 equity gap
Rate
3.23%
7.40%today
Payment
$1,772/mo
$2,826today
  • 4beds
  • 4baths
  • 3,460sqft

850 Meadowlawn Court, Sartell

443 Cedarwood Court, Waite Park, MN, 56387 — assumable VA mortgage at 3.76%
VA
Active
61
$344,900$70,330 equity gap
Rate
3.76%
7.40%today
Payment
$1,391/mo
$2,077today
  • 4beds
  • 3baths
  • 2,306sqft

443 Cedarwood Court, Waite Park

3531 12th Avenue, Saint Cloud, MN, 56304 — assumable VA mortgage at 2.31%
VA
Active
29
$359,900$223,059 equity gap
Rate
2.31%
7.40%today
Payment
$729/mo
$1,217today
  • 4beds
  • 2baths
  • 2,836sqft

3531 12th Avenue, Saint Cloud

608 5th Avenue, Sartell, MN, 56377 — assumable FHA mortgage at 3.02%
FHA
Active
27
$299,000$294,517 equity gap
Rate
3.02%
7.40%today
Payment
$22/mo
$36today
  • 3beds
  • 2baths
  • 1,622sqft

608 5th Avenue, Sartell

1041 17th Avenue, Saint Cloud, MN, 56301 — assumable FHA mortgage at 3.70%
FHA
Active
28
$149,900$57,667 equity gap
Rate
3.70%
7.40%today
Payment
$491/mo
$739today
  • 2beds
  • 1baths
  • 1,280sqft

1041 17th Avenue, Saint Cloud

2041 Northway Circle, Saint Cloud, MN, 56303 — assumable FHA mortgage at 4.99%
FHA
Active
44
$265,000$39,223 equity gap
Rate
4.99%
7.40%today
Payment
$1,295/mo
$1,672today
  • 4beds
  • 2baths
  • 1,946sqft

2041 Northway Circle, Saint Cloud

2610 Ocarina Drive, Sauk Rapids, MN, 56379 — assumable FHA mortgage at 3.99%
FHA
Active
23
$305,000$126,385 equity gap
Rate
3.99%
7.40%today
Payment
$992/mo
$1,441today
  • 3beds
  • 2baths
  • 1,630sqft

2610 Ocarina Drive, Sauk Rapids

938 34th Avenue, Saint Cloud, MN, 56303 — assumable VA mortgage at 5.98%
VA
Active
34
$260,000$10,778 equity gap
Rate
5.98%
7.40%today
Payment
$1,497/mo
$1,733today
  • 3beds
  • 2baths
  • 1,890sqft

938 34th Avenue, Saint Cloud

250 29th Avenue, Saint Cloud, MN, 56304 — assumable VA mortgage at 6.63%
VA
Active
32
$354,900Potential short sale
Rate
6.63%
7.40%today
Payment
$2,460/mo
$2,659today
  • 4beds
  • 3baths
  • 2,325sqft

250 29th Avenue, Saint Cloud

1018 3rd Street, Sauk Rapids, MN, 56379 — assumable FHA mortgage at 5.09%
FHA
Active
32
$239,500$51,138 equity gap
Rate
5.09%
7.40%today
Payment
$1,092/mo
$1,394today
  • 3beds
  • 2baths
  • 1,848sqft

1018 3rd Street, Sauk Rapids

1213 15th Street, Sartell, MN, 56377 — assumable FHA mortgage at 6.54%
FHA
Active
12
$299,900$4,287 equity gap
Rate
6.54%
7.40%today
Payment
$1,916/mo
$2,090today
  • 4beds
  • 2baths
  • 2,185sqft

1213 15th Street, Sartell

436 9th Street, Waite Park, MN, 56387 — assumable VA mortgage at 6.54%
VA
Active
44
$319,800$24,731 equity gap
Rate
6.54%
7.40%today
Payment
$1,949/mo
$2,126today
  • 4beds
  • 4baths
  • 3,004sqft

436 9th Street, Waite Park

4706 8th Street Loop, Saint Cloud, MN, 56304 — assumable FHA mortgage at 6.72%
FHA
Active
43
$369,900$35,409 equity gap
Rate
6.72%
7.40%today
Payment
$2,190/mo
$2,345today
  • 5beds
  • 3baths
  • 2,285sqft

4706 8th Street Loop, Saint Cloud

704 Watab Court, Sartell, MN, 56377 — assumable FHA mortgage at 6.72%
FHA
Active
48
$312,000$24,746 equity gap
Rate
6.72%
7.40%today
Payment
$1,879/mo
$2,012today
  • 3beds
  • 2baths
  • 1,861sqft

704 Watab Court, Sartell

1204 Whitney Drive, Saint Cloud, MN, 56303 — assumable FHA mortgage at 6.78%
FHA
Active
27
$275,000$17,020 equity gap
Rate
6.78%
7.40%today
Payment
$1,725/mo
$1,836today
  • 4beds
  • 2baths
  • 1,926sqft

1204 Whitney Drive, Saint Cloud

623 7th Street, Saint Cloud, MN, 56304 — assumable VA mortgage at 7.09%
VA
Active
39
$269,900$27,443 equity gap
Rate
7.09%
7.40%today
Payment
$1,680/mo
$1,733today
  • 3beds
  • 2baths
  • 1,570sqft

623 7th Street, Saint Cloud

288 Park Avenue, Saint Cloud, MN, 56301 — assumable VA mortgage at 6.50%
VA
Active
24
$275,000$28,307 equity gap
Rate
6.50%
7.40%today
Payment
$1,574/mo
$1,724today
  • 2beds
  • 2baths
  • 1,520sqft

288 Park Avenue, Saint Cloud

1801 Eastern Star Loop, Sauk Rapids, MN, 56379 — assumable FHA mortgage at 6.87%
FHA
Active
13
$319,900$57,333 equity gap
Rate
6.87%
7.40%today
Payment
$1,764/mo
$1,860today
  • 5beds
  • 2baths
  • 2,480sqft

1801 Eastern Star Loop, Sauk Rapids

1347 9th Avenue, Saint Cloud, MN, 56303 — assumable FHA mortgage at 6.87%
FHA
Active
36
$245,000$37,420 equity gap
Rate
6.87%
7.40%today
Payment
$1,389/mo
$1,465today
  • 4beds
  • 2baths
  • 1,712sqft

1347 9th Avenue, Saint Cloud

239 32nd Avenue, Saint Cloud, MN, 56303 — assumable FHA mortgage at 6.99%
FHA
Active
37
$169,900$19,781 equity gap
Rate
6.99%
7.40%today
Payment
$1,021/mo
$1,064today
  • 2beds
  • 1baths
  • 1,232sqft

239 32nd Avenue, Saint Cloud

612 5th Avenue, Saint Cloud, MN, 56304 — assumable FHA mortgage at 7.18%
FHA
Active
15
$194,900$28,013 equity gap
Rate
7.18%
7.40%today
Payment
$1,164/mo
$1,190today
  • 2beds
  • 1baths
  • 1,054sqft

612 5th Avenue, Saint Cloud

901 31st Avenue, Saint Cloud, MN, 56303 — assumable FHA mortgage at 5.52%
FHA
Active
67
$264,900$58,106 equity gap
Rate
5.52%
7.40%today
Payment
$1,252/mo
$1,523today
  • 5beds
  • 3baths
  • 2,558sqft

901 31st Avenue, Saint Cloud

134 7th Avenue, Waite Park, MN, 56387 — assumable FHA mortgage at 5.52%
FHA
Active
29
$207,000$48,445 equity gap
Rate
5.52%
7.40%today
Payment
$958/mo
$1,166today
  • 3beds
  • 2baths
  • 1,346sqft

134 7th Avenue, Waite Park

5945 Tee To Green Street, Saint Cloud, MN, 56304 — assumable VA mortgage at 6.35%
VA
Active
48
$500,000$120,548 equity gap
Rate
6.35%
7.40%today
Payment
$2,457/mo
$2,734today
  • 5beds
  • 4baths
  • 2,882sqft

5945 Tee To Green Street, Saint Cloud

231 22nd Avenue, Saint Cloud, MN, 56303 — assumable FHA mortgage at 6.43%
FHA
Active
32
$225,000$45,417 equity gap
Rate
6.43%
7.40%today
Payment
$1,171/mo
$1,292today
  • 3beds
  • 2baths
  • 1,265sqft

231 22nd Avenue, Saint Cloud

5708 Nightingale Court, Saint Cloud, MN, 56303 — assumable FHA mortgage at 6.82%
FHA
Active
48
$449,900$115,615 equity gap
Rate
6.82%
7.40%today
Payment
$2,241/mo
$2,376today
  • 6beds
  • 3baths
  • 5,393sqft

5708 Nightingale Court, Saint Cloud

1417 Lavender Ave S, Sartell, MN, 56377 — assumable FHA mortgage at 6.90%
FHA
Active
38
$540,000$130,277 equity gap
Rate
6.90%
7.40%today
Payment
$2,819/mo
$2,964today
  • 5beds
  • 3baths
  • 3,234sqft

1417 Lavender Ave S, Sartell

141 36th Avenue, Saint Cloud, MN, 56303 — assumable FHA mortgage at 5.25%
FHA
Active
25
$245,000$128,525 equity gap
Rate
5.25%
7.40%today
Payment
$688/mo
$863today
  • 3beds
  • 2baths
  • 1,152sqft

141 36th Avenue, Saint Cloud

Assuming a mortgage in St. Cloud

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
2.31%
Lowest existing payment
$491 /mo
Median cash to assume
$63,775
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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