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Assumable homes for sale in Monticello, MN

34 homesFHA & VA loansrates from 2.77% vs 7.18% today

Monticello assumption guide
4998 Kama Lane, Albertville, MN, 55301 — assumable VA mortgage at 3.10%
VA
Active
32
$399,000$53,076 equity gap
Rate
3.10%
7.18%today
Payment
$1,644/mo
$2,608today
  • 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$6,286 equity gap
Rate
3.76%
7.18%today
Payment
$1,161/mo
$1,696today
  • 4beds
  • 1baths
  • 1,232sqft

210 Euclid Avenue, Big Lake

7474 Lamont Avenue, Otsego, MN, 55301 — assumable FHA mortgage at 3.13%
FHA
Active
46
$379,990$85,492 equity gap
Rate
3.13%
7.18%today
Payment
$1,459/mo
$2,306today
  • 4beds
  • 4baths
  • 2,372sqft

7474 Lamont Avenue, Otsego

12436 69th Lane, Otsego, MN, 55330 — assumable FHA mortgage at 3.10%
FHA
Active
24
$338,000$111,272 equity gap
Rate
3.10%
7.18%today
Payment
$1,078/mo
$1,709today
  • 3beds
  • 3baths
  • 1,806sqft

12436 69th Lane, Otsego

10669 74th Street, Otsego, MN, 55301 — assumable FHA mortgage at 4.42%
FHA
Active
91
$365,000$33,094 equity gap
Rate
4.42%
7.18%today
Payment
$1,804/mo
$2,435today
  • 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$127,707 equity gap
Rate
2.77%
7.18%today
Payment
$842/mo
$1,394today
  • 4beds
  • 3baths
  • 2,069sqft

7356 Kalland Circle, Otsego

8676 Fairhill Lane, Monticello, MN, 55362 — assumable VA mortgage at 2.80%
VA
Active
44
$374,900$165,317 equity gap
Rate
2.80%
7.18%today
Payment
$972/mo
$1,603today
  • 5beds
  • 2baths
  • 2,231sqft

8676 Fairhill Lane, Monticello

489 Karen Lane, Big Lake, MN, 55309 — assumable VA mortgage at 2.86%
VA
Active
41
$350,000$172,528 equity gap
Rate
2.86%
7.18%today
Payment
$848/mo
$1,388today
  • 4beds
  • 2baths
  • 2,004sqft

489 Karen Lane, Big Lake

4330 Sterling Drive, Big Lake, MN, 55309 — assumable VA mortgage at 2.90%
VA
Active
28
$399,900$288,716 equity gap
Rate
2.90%
7.18%today
Payment
$657/mo
$993today
  • 5beds
  • 2baths
  • 2,372sqft

4330 Sterling Drive, Big Lake

18566 147th Street, Elk River, MN, 55330 — assumable VA mortgage at 3.31%
VA
Active
35
$395,000$144,827 equity gap
Rate
3.31%
7.18%today
Payment
$1,272/mo
$1,965today
  • 4beds
  • 2baths
  • 2,016sqft

18566 147th Street, Elk River

371 Phyllis Street, Big Lake, MN, 55309 — assumable FHA mortgage at 3.45%
FHA
Active
35
$235,000$92,084 equity gap
Rate
3.45%
7.18%today
Payment
$703/mo
$1,067today
  • 2beds
  • 1baths
  • 1,250sqft

371 Phyllis Street, Big Lake

6195 River Mill Drive, Monticello, MN, 55362 — assumable VA mortgage at 3.35%
VA
Active
49
$340,000$234,302 equity gap
Rate
3.35%
7.18%today
Payment
$696/mo
$1,069today
  • 3beds
  • 2baths
  • 2,164sqft

6195 River Mill Drive, Monticello

18153 203rd Avenue, Big Lake, MN, 55309 — assumable FHA mortgage at 3.42%
FHA
Active
35
$375,000$223,892 equity gap
Rate
3.42%
7.18%today
Payment
$865/mo
$1,318today
  • 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$28,563 equity gap
Rate
4.72%
7.18%today
Payment
$1,200/mo
$1,563today
  • 2beds
  • 2baths
  • 1,525sqft

11172 76th Street, Otsego

8526 Gateway Circle, Monticello, MN, 55362 — assumable FHA mortgage at 4.72%
FHA
Active
34
$315,000$74,903 equity gap
Rate
4.72%
7.18%today
Payment
$1,346/mo
$1,754today
  • 3beds
  • 2baths
  • 1,904sqft

8526 Gateway Circle, Monticello

15935 225th Avenue, Elk River, MN, 55330 — assumable FHA mortgage at 4.08%
FHA
Active
37
$400,000$193,133 equity gap
Rate
4.08%
7.18%today
Payment
$1,159/mo
$1,629today
  • 4beds
  • 2baths
  • 2,087sqft

15935 225th Avenue, Elk River

3765 Woodside Drive, Monticello, MN, 55362 — assumable VA mortgage at 4.15%
VA
Active
46
$360,000$172,576 equity gap
Rate
4.15%
7.18%today
Payment
$1,133/mo
$1,578today
  • 4beds
  • 3baths
  • 2,072sqft

3765 Woodside Drive, Monticello

12238 62nd Street, Otsego, MN, 55301 — assumable VA mortgage at 6.26%
VA
Active
34
$525,000$14,659 equity gap
Rate
6.26%
7.18%today
Payment
$3,180/mo
$3,495today
  • 4beds
  • 3baths
  • 2,776sqft

12238 62nd Street, Otsego

5361 Mallard Lane, Monticello, MN, 55362 — assumable FHA mortgage at 6.81%
FHA
Active
14
$318,000$12,530 equity gap
Rate
6.81%
7.18%today
Payment
$2,018/mo
$2,095today
  • 4beds
  • 1baths
  • 864sqft

5361 Mallard Lane, Monticello

6142 Maclynn Avenue, Otsego, MN, 55301 — assumable FHA mortgage at 7.31%
FHA
Active
17
$239,900$3,937 equity gap
Rate
7.31%
7.18%today
Payment
$1,668/mo
$1,646today
  • 2beds
  • 2baths
  • 1,472sqft

6142 Maclynn Avenue, Otsego

18971 Sanford Avenue, Big Lake, MN, 55309 — assumable FHA mortgage at 7.49%
FHA
Active
22
$299,900$13,108 equity gap
Rate
7.49%
7.18%today
Payment
$2,061/mo
$1,999today
  • 3beds
  • 3baths
  • 1,315sqft

18971 Sanford Avenue, Big Lake

8358 Lamont Avenue, Otsego, MN, 55330 — assumable FHA mortgage at 6.34%
FHA
Active
47
$540,000$31,110 equity gap
Rate
6.34%
7.18%today
Payment
$3,194/mo
$3,481today
  • 5beds
  • 3baths
  • 2,682sqft

8358 Lamont Avenue, Otsego

20225 Prairie Drive, Big Lake, MN, 55309 — assumable FHA mortgage at 6.77%
FHA
Active
28
$315,000$30,576 equity gap
Rate
6.77%
7.18%today
Payment
$1,902/mo
$1,982today
  • 2beds
  • 2baths
  • 1,250sqft

20225 Prairie Drive, Big Lake

12258 71st Street, Elk River, MN, 55330 — assumable FHA mortgage at 7.50%
FHA
Active
30
$454,000$31,206 equity gap
Rate
7.50%
7.18%today
Payment
$3,041/mo
$2,947today
  • 4beds
  • 4baths
  • 2,242sqft

12258 71st Street, Elk River

670 Independence Drive, Big Lake, MN, 55309 — assumable VA mortgage at 4.56%
VA
Active
24
$229,000$122,970 equity gap
Rate
4.56%
7.18%today
Payment
$638/mo
$847today
  • 2beds
  • 2baths
  • 1,027sqft

670 Independence Drive, Big Lake

11353 54 1/2 Street, Albertville, MN, 55301 — assumable FHA mortgage at 6.48%
FHA
Active
40
$360,000$45,473 equity gap
Rate
6.48%
7.18%today
Payment
$2,075/mo
$2,228today
  • 4beds
  • 2baths
  • 2,108sqft

11353 54 1/2 Street, Albertville

4465 86th Street, Monticello, MN, 55362 — assumable FHA mortgage at 6.70%
FHA
Active
34
$529,000$134,416 equity gap
Rate
6.70%
7.18%today
Payment
$2,667/mo
$2,800today
  • 4beds
  • 3baths
  • 2,806sqft

4465 86th Street, Monticello

4964 Jamocha Avenue, Saint Michael, MN, 55376 — assumable FHA mortgage at 6.50%
FHA
Active
32
$425,000$425,000 equity gap
Rate
6.50%
7.18%today
Payment
$0/mo
  • 3beds
  • 2baths
  • 1,485sqft

4964 Jamocha Avenue, Saint Michael

11170 68th Street, Albertville, MN, 55301 — assumable FHA mortgage at 6.50%
FHA
Active
34
$410,000$266,508 equity gap
Rate
6.50%
7.18%today
Payment
$1,501/mo
$1,609today
  • 3beds
  • 3baths
  • 2,512sqft

11170 68th Street, Albertville

4124 Eaton Circle, Monticello, MN, 55362 — assumable FHA mortgage at 6.57%
FHA
Active
18
$375,000$11,267 equity gap
Rate
6.57%
7.18%today
Payment
$2,406/mo
$2,560today
  • 3beds
  • 2baths
  • 1,357sqft

4124 Eaton Circle, Monticello

2641 Oak Ridge Drive, Monticello, MN, 55362 — assumable FHA mortgage at 6.63%
FHA
Active
22
$385,000$371,092 equity gap
Rate
6.63%
7.18%today
Payment
$94/mo
$99today
  • 4beds
  • 3baths
  • 2,266sqft

2641 Oak Ridge Drive, Monticello

9243 Goodrich Drive, Monticello, MN, 55362 — assumable FHA mortgage at 6.76%
FHA
Active
29
$226,000$162,986 equity gap
Rate
6.76%
7.18%today
Payment
$415/mo
$434today
  • 3beds
  • 2baths
  • 1,488sqft

9243 Goodrich Drive, Monticello

10695 51st Street, Albertville, MN, 55301 — assumable VA mortgage at 6.94%
VA
Active
14
$350,000Potential short sale
Rate
6.94%
7.18%today
Payment
$2,750/mo
$2,818today
  • 5beds
  • 3baths
  • 2,220sqft

10695 51st Street, Albertville

12368 62nd Street, Otsego, MN, 55301 — assumable VA mortgage at 7.08%
VA
Active
44
$460,000Potential short sale
Rate
7.08%
7.18%today
Payment
$3,576/mo
$3,612today
  • 6beds
  • 3baths
  • 2,599sqft

12368 62nd Street, Otsego

Assuming a mortgage in Monticello

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 7.18%), so you can see the saving before you tour.

Lowest existing rate
2.77%
Lowest existing payment
$415/mo
Median cash to assume
$101,678
Equal Housing Opportunity

UMe 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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