North Dakota · Statewide
Assumable homes for salein North Dakota.
65 homes in North Dakota carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.73%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
North Dakota assumable market
by the numbers.
Assumable homesby North Dakota city.
Ranked by live assumable inventory. Every city is its own market page with local listings, rates, ZIP codes, and cash-to-assume figures.
Search all of North Dakota on the map- 01Fargo3131 assumable homes · median 4.21%
- 02West Fargo1313 assumable homes · median 5.30%
- 03Horace88 assumable homes · median 6.57%
- 04Wahpeton44 assumable homes · median 4.95%
- 05Lisbon22 assumable homes · median 3.95%
- 06Valley City22 assumable homes · median 3.40%
- 07Abercrombie11 assumable home · median 3.92%
- 08Devils Lake11 assumable home · median 2.94%
- 09Gwinner11 assumable home · median 4.27%
- 10Kindred11 assumable home · median 2.94%
- 11Stirum11 assumable home · median 6.89%
Also covered in North Dakota, no verified assumable listings today:
- Absaraka
- Adams
- Alice
- Amenia
- Aneta
- Argusville
- Arthur
- Ashley
- Ayr
- Barney
- Bathgate
- Belcourt
- Belfield
- Binford
- Bismarck
- Blanchard
- Bottineau
- Bowbells
- Bowman
- Buchanan
- Buffalo
- Butte
- Buxton
- Cando
- Carrington
- Casselton
- Cathay
- Cavalier
- Cayuga
- Chaffee
- Christine
- Clifford
- Cogswell
- Colfax
- Colgate
- Cooperstown
- Courtenay
- Crary
- Cummings
- Davenport
- Dawson
- Dazey
- Deering
- Dickinson
- Drake
- Dunseith
- Durbin
- Dwight
- Edgeley
- Edinburg
- Egeland
- Ellendale
- Embden
- Emerado
- Enderlin
- Erie
- Esmond
- Fairmount
- Fessenden
- Fingal
- Finley
- Forman
- Fort Ransom
- Gackle
- Galchutt
- Galesburg
- Gardner
- Garrison
- Goodrich
- Grand Forks
- Grandin
- Grassy Butte
- Great Bend
- Hampden
- Hankinson
- Harvey
- Harwood
- Hastings
- Hatton
- Havana
- Hebron
- Hettinger
- Hickson
- Hillsboro
- Hope
- Hunter
- Hurdsfield
- Inkster
- Jamestown
- Kathryn
- Keene
- Kenmare
- Kramer
- Kulm
- Lakota
- Lamoure
- Langdon
- Lansford
- Larimore
- Leith
- Leonard
- Lidgerwood
- Linton
- Litchville
- Luverne
- Mandan
- Mantador
- Manvel
- Mapleton
- Marion
- Maxbass
- Mayville
- McHenry
- McLeod
- McVille
- Milnor
- Minot
- Minto
- Mohall
- Mooreton
- Mott
- Mountain
- Napoleon
- Neche
- New Leipzig
- New Rockford
- New Salem
- Nome
- Northwood
- Oakes
- Oriska
- Oxbow
- Page
- Pembina
- Pingree
- Portland
- Prairie Rose
- Regent
- Reiles Acres
- Reynolds
- Richardton
- Rocklake
- Rogers
- Rolla
- Rugby
- Rutland
- Saint Thomas
- Sanborn
- Sarles
- Sharon
- Sheldon
- Sibley
- Souris
- South Heart
- Spiritwood
- Steele
- Sykeston
- Thompson
- Tower City
- Towner
- Turtle Lake
- Underwood
- Upham
- Verona
- Walcott
- Wales
- Walhalla
- Wheatland
- Williston
- Wimbledon
- Wishek
- Wyndmere
- Ypsilanti
Assumable mortgagesin North Dakota, explained.
Every number on this page comes from the live MLS feeds UMe indexes across North Dakota. Updated October 2026.
How assumptions work for buyersNorth Dakota has 65 homes for sale with an assumable mortgage as of October 2026: 39 FHA loans and 26 VA loans 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 North Dakota assumable listings start at 2.73% with a median of 4.90%; 27 listings are under 4% and 33 are under 5%.
The median assumable home in North Dakota lists for $329,900, with a median of $84,877 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 $1,337 a month versus $1,795 for the same balance at today's rate, roughly $458 kept every month and $5,497 a year. The deepest North Dakota inventory is in Fargo (31), West Fargo (13), Horace (8), Wahpeton (4), and Lisbon (2).
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 North Dakota assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Homes on the marketacross North Dakota.
No verified listings in North Dakota yet.
New assumable listings land every week across North Dakota. Search the full map, or save a North Dakota search and we’ll email you the moment one appears.
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.
What’s in the mixin North Dakota.
Live counts from the MLS feeds we index for North Dakota. Updated October 2026.
- Active listings
- 65
- UMe Certified / verified
- 0
- Lowest rate
- 2.73%
- Median rate
- 4.90%
- Median list price
- $329,900
- Median cash to assume
- $84,877
North Dakota listings by locked rate
- Under 4%27 homes
- 4% – 5%6 homes
- 5% – 6%6 homes
- 6% and up26 homes
North Dakota listings by loan type
- FHA39 homesmedian 6.12%
- VA26 homesmedian 3.62%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
What an assumable ratedoes to a North Dakota payment.
The sliders start at the median North Dakota assumable listing: $329,900 list price and a 4.90% 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.
26% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every North Dakota listing on UMe shows the actual balance, rate, and payment.
How to assumea mortgage in North Dakota.
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 North Dakota home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the North Dakota 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 $84,877 in North Dakota 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 North Dakota payment written in a different decade.
Assuming a mortgagein North Dakota.
The numbers below come from current North Dakota inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in North Dakota?
As of October 2026, UMe tracks 65 active assumable listings in North Dakota. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in North Dakota?
Current North Dakota inventory breaks down as FHA (39, median 6.12%) and VA (26, median 3.62%). 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 North Dakota?
The lowest rate on an active North Dakota assumable listing is 2.73%, and the median across all 65 listings is 4.90%. 27 listings are under 4% and 33 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 North Dakota?
Across current North Dakota listings, the median principal-and-interest payment on the assumable loan is $1,337 per month versus $1,795 for the same balance at today's rates, a difference of about $458 every month, or $5,497 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 North Dakota?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In North Dakota that gap is currently a median of $84,877 on a median list price of $329,900. 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 North Dakota cities have the most assumable homes?
The deepest assumable inventory in North Dakota is in Fargo (31), West Fargo (13), Horace (8), Wahpeton (4), and Lisbon (2). Each city has its own page with live counts, rates, and neighborhoods, and the North Dakota map lets you search the whole state at once.
How long does a mortgage assumption take in North Dakota?
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.
Stop overpaying for North Dakota.The rate is already on the house.
Every listing on the North Dakota map has a rate you can take over. Start with the cities holding the deepest inventory, get pre-qualified in minutes, and let UMe carry the assumption to closing.
