FHA
Active
35$384,900$67,504 down
- Rate
- 2.84%
7.03%today- Payment
- $1,472/mo
$2,378today
- 6beds
- 2baths
- 2,376sqft
Circle Pines, Minnesota
Assumable homes for salein Circle Pines, Minnesota.
5 homes in Circle Pines carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.81%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Circle Pines assumable market
by the numbers.
5active assumable listings
2.81%lowest locked rate
$330kmedian list price
$828saved per month vs. 7.2%
About the market
Assumable mortgagesin Circle Pines, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Minnesota, filtered to Circle Pines. Updated September 2026.
How assumptions work for buyersCircle Pines, Minnesota has 5 homes for sale with an assumable mortgage as of September 2026: 3 FHA loans and 2 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 Circle Pines assumable listings start at 2.81% with a median of 3.75%; 3 listings are under 4% and 4 are under 5%.
The median assumable home in Circle Pines lists for $329,990, with a median of $140,748 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 $1,190 a month versus $2,018 for the same balance at today's rate, roughly $828 kept every month and $9,932 a year. The most active Circle Pines ZIP codes are 55014 (5).
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 Circle Pines assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Circle Pines
View all 5 on the map Homes on the marketin Circle Pines.
VA
Active
52$399,900$54,191 down
- Rate
- 2.86%
7.03%today- Payment
- $1,603/mo
$2,584today
- 4beds
- 2baths
- 2,878sqft
1233 Maywood Street, Saint Paul
FHA
Active
23$170,000$26,550 down
- Rate
- 3.13%
7.03%today- Payment
- $709/mo
$1,104today
- 2beds
- 2baths
- 1,059sqft
1050 Matilda Street, Saint Paul
FHA
Active
59$519,900$122,073 down
- Rate
- 2.25%
7.03%today- Payment
- $1,726/mo
$3,014today
- 6beds
- 2baths
- 2,384sqft
409 6th Street, Minneapolis
FHA
Active
27$235,000$68,781 down
- Rate
- 2.87%
7.03%today- Payment
- $774/mo
$1,245today
- 6beds
- 2baths
- 1,465sqft
1105 Rose Avenue, Saint Paul
FHA
Active
45$400,000$54,726 down
- Rate
- 2.87%
7.03%today- Payment
- $1,603/mo
$2,580today
- 3beds
- 4baths
- 2,250sqft
1157 Rose Lane, New Brighton
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 Circle Pines.
Live counts from the MLS feeds we index for Minnesota. Updated September 2026.
- Active listings
- 5
- UMe Certified / verified
- 0
- Lowest rate
- 2.81%
- Median rate
- 3.75%
- Median list price
- $329,990
- Median cash to assume
- $140,748
Circle Pines listings by locked rate
- Under 4%3 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up1 home
Circle Pines listings by loan type
- FHA3 homesmedian 3.75%
- VA2 homesmedian 4.87%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Circle Pines ZIP code.
Each ZIP opens the Circle Pines map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Circle Pines numbers
What an assumable ratedoes to a Circle Pines payment.
The sliders start at the median Circle Pines assumable listing: $329,990 list price and a 3.75% 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.
Cash to assume (seller’s equity)$140,000
42% 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 Circle Pines
$954/mo
New loan at 7.20%$1,290
Assumed at 3.75%
$954
Every month$335
Over five years$20,128
Interest you never pay$166,57326-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 Circle Pines listing on UMe shows the actual balance, rate, and payment.
How it works in Circle Pines
How to assumea mortgage in Circle Pines.
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 Circle Pines home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Circle Pines 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 $140,748 in Circle Pines 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 Circle Pines payment written in a different decade.
Circle Pines questions
Assuming a mortgagein Circle Pines.
The numbers below come from current Circle Pines inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Circle Pines?
As of September 2026, UMe tracks 5 active assumable listings in Circle Pines. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Circle Pines?
Current Circle Pines inventory breaks down as FHA (3, median 3.75%) and VA (2, median 4.87%). 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 Circle Pines?
The lowest rate on an active Circle Pines assumable listing is 2.81%, and the median across all 5 listings is 3.75%. 3 listings are under 4% and 4 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 Circle Pines?
Across current Circle Pines listings, the median principal-and-interest payment on the assumable loan is $1,190 per month versus $2,018 for the same balance at today's rates, a difference of about $828 every month, or $9,932 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 Circle Pines?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Circle Pines that gap is currently a median of $140,748 on a median list price of $329,990. 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 Circle Pines ZIP codes have the most assumable homes?
The Circle Pines ZIP codes with the most active assumable listings are 55014 (5). Use the map to draw your own boundary or filter by rate, payment, and down payment inside any of them.
How long does a mortgage assumption take in Circle Pines?
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.
Nearby markets
All of Minnesota More assumable homesin Minnesota.
Ready when you are
Stop overpaying for Circle Pines.The rate is already on the house.
Every listing on the Circle Pines map has a rate you can take over. Start with the ones in Circle Pines, get pre-qualified in minutes, and let UMe carry the assumption to closing.
