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North Dakota · Statewide

Assumable homes for salein North Dakota.

161 homes in North Dakota carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.31%. Assume the seller’s mortgage instead of financing at today’s 7.2%.

Browse 161 North Dakota listings Get pre-qualified

Live MLS data · Updated

North Dakota assumable market
by the numbers.

161active assumable listings
2.31%lowest locked rate
$325kmedian list price
$502saved per month vs. 7.2%
Across North Dakota

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
  1. 01Williston2828 assumable homes · median 6.19%
  2. 02Fargo2727 assumable homes · median 5.25%
  3. 03Dickinson1616 assumable homes · median 4.04%
  4. 04Bismarck1414 assumable homes · median 5.61%
  5. 05West Fargo1313 assumable homes · median 5.30%
  6. 06Watford City99 assumable homes · median 3.06%
  7. 07Horace88 assumable homes · median 6.58%
  8. 08Mandan88 assumable homes · median 6.31%
  9. 09Jamestown44 assumable homes · median 6.64%
  10. 10Minot44 assumable homes · median 4.68%
  11. 11Wahpeton44 assumable homes · median 4.95%
  12. 12Beulah33 assumable homes · median 6.35%
  13. 13Hazen33 assumable homes · median 3.31%
  14. 14Valley City22 assumable homes · median 3.43%
  15. 15Wing22 assumable homes · median 2.87%
  16. 16Abercrombie11 assumable home · median 3.92%
  17. 17Buchanan11 assumable home · median 2.98%
  18. 18Crosby11 assumable home · median 6.94%
  19. 19Devils Lake11 assumable home · median 2.94%
  20. 20Epping11 assumable home · median 2.81%
  21. 21Flasher11 assumable home · median 6.95%
  22. 22Gwinner11 assumable home · median 4.27%
  23. 23Harvey11 assumable home · median 2.90%
  24. 24Kindred11 assumable home · median 2.94%
  25. 25Mapleton11 assumable home · median 6.86%
  26. 26Max11 assumable home · median 6.82%
  27. 27Steele11 assumable home · median 2.36%
  28. 28Stirum11 assumable home · median 6.89%
  29. 29Tioga11 assumable home · median 3.57%
  30. 30Turtle Lake11 assumable home · median 3.44%
  31. 31Walcott11 assumable home · median 3.65%

Also covered in North Dakota, no verified assumable listings today:

About the market

Assumable mortgagesin North Dakota, explained.

Every number on this page comes from the live MLS feeds UMe indexes across North Dakota. Updated November 2026.

How assumptions work for buyers

North Dakota has 161 homes for sale with an assumable mortgage as of November 2026: 103 FHA loans and 58 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 2.31% with a median of 5.23%; 61 listings are under 4% and 75 are under 5%.

The median assumable home in North Dakota lists for $325,000, with a median of $90,606 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 $1,327 a month versus $1,828 for the same balance at today's rate, roughly $502 kept every month and $6,020 a year. The deepest North Dakota inventory is in Williston (28), Fargo (27), Dickinson (16), Bismarck (14), and West Fargo (13).

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.

Verified across North Dakota

Homes on the marketacross North Dakota.

View all 161 on the map
807 20th Street, Williston, ND, 58801 — assumable VA mortgage at 3.10%
VA
Active
27
$310,000$23,883 equity gap
Rate
3.10%
7.18%today
Payment
$1,357/mo
$2,153today
  • 4beds
  • 2baths
  • 2,544sqft

807 20th Street, Williston

2608 Terrace View Drive, Watford City, ND, 58854 — assumable FHA mortgage at 2.96%
FHA
Active
47
$325,000$92,708 equity gap
Rate
2.96%
7.18%today
Payment
$1,102/mo
$1,779today
  • 3beds
  • 2baths
  • 1,352sqft

2608 Terrace View Drive, Watford City

2608 Terrace View Drive, Watford City, ND, 58854 — assumable FHA mortgage at 2.96%
FHA
Active
47
$325,000$92,708 equity gap
Rate
2.96%
7.18%today
Payment
$1,102/mo
$1,779today
  • 3beds
  • 2baths
  • 1,352sqft

2608 Terrace View Drive, Watford City

105 3rd Street, Watford City, ND, 58854 — assumable FHA mortgage at 0.00%
FHA
Active
51
$229,000$73,469 equity gap
Rate
0.00%
7.18%today
Payment
$656/mo
$1,238today
  • 2beds
  • 1baths
  • 804sqft

105 3rd Street, Watford City

105 3rd Street, Watford City, ND, 58854 — assumable FHA mortgage at 0.00%
FHA
Active
51
$229,000$73,469 equity gap
Rate
0.00%
7.18%today
Payment
$656/mo
$1,238today
  • 2beds
  • 1baths
  • 804sqft

105 3rd Street, Watford City

1515 9th Avenue, Williston, ND, 58801 — assumable VA mortgage at 2.90%
VA
Active
51
$275,000$94,064 equity gap
Rate
2.90%
7.18%today
Payment
$851/mo
$1,384today
  • 2beds
  • 1baths
  • 1,336sqft

1515 9th Avenue, Williston

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 North Dakota.

Live counts from the MLS feeds we index for North Dakota. Updated November 2026.

Active listings
161
UMe Certified / verified
0
Lowest rate
2.31%
Median rate
5.23%
Median list price
$325,000
Median cash to assume
$90,606

North Dakota listings by locked rate

  1. Under 4%61 homes
  2. 4% – 5%14 homes
  3. 5% – 6%10 homes
  4. 6% and up74 homes

North Dakota listings by loan type

  • FHA103 homesmedian 6.20%
  • VA58 homesmedian 4.27%

FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.

Run the North Dakota numbers

What an assumable ratedoes to a North Dakota payment.

The sliders start at the median North Dakota assumable listing: $325,000 list price and a 5.23% 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.

$325,000
$235,000

The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.

5.25%
26 yrs
Cash to assume (seller’s equity)$90,000

28% 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 North Dakota
$1,382/mo
New loan at 7.20%
$1,595
Assumed at 5.25%
$1,382
Every month$213
Over five years$12,780
Interest you never pay$143,02326-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 North Dakota listing on UMe shows the actual balance, rate, and payment.

Browse North Dakota listings See what you qualify for
How it works in North Dakota

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
  1. 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.

  2. 02

    Cover the seller’s equity.

    You pay the seller the difference between the price and the remaining balance, a median of $90,606 in North Dakota today. Cash, a second loan, or seller financing can bridge it.

  3. 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.

  4. 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.

North Dakota questions

Assuming a mortgagein North Dakota.

The numbers below come from current North Dakota inventory and update as listings change.

All assumption FAQs

How many assumable homes are for sale in North Dakota?

As of November 2026, UMe tracks 161 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 (103, median 6.20%) and VA (58, median 4.27%). 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 2.31%, and the median across all 161 listings is 5.23%. 61 listings are under 4% and 75 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 $1,327 per month versus $1,828 for the same balance at today's rates, a difference of about $502 every month, or $6,020 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 $90,606 on a median list price of $325,000. 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 Williston (28), Fargo (27), Dickinson (16), Bismarck (14), and West Fargo (13). 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.

Ready when you are

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.

Browse North Dakota homes Talk to an assumption expert Selling a low rate? List it