FHA
Active
38$409,900$389,775 down
- Rate
- 2.65%
7.28%today- Payment
- $96/mo
$161today
- 4beds
- 3baths
- 2,636sqft
Hudson, Wisconsin
Assumable homes for salein Hudson, Wisconsin.
An assumable mortgage lets you take over a seller’s existing low-rate FHA, VA, or USDA loan instead of financing at today’s 7.2%. These are the ones we verify in Hudson.
Live MLS data · Updated
Hudson assumable market
by the numbers.
6active assumable listings
2.85%average locked rate
$752ktypical list price
$1,595saved per month vs. 7.2%
About the market
Assumable mortgagesin Hudson, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Wisconsin, filtered to Hudson. Updated October 2026.
How assumptions work for buyersAs of October 2026, UMe has no verified assumable listings in Hudson. That changes quickly: assumable homes come on the market every week across Wisconsin as sellers with FHA, VA, and USDA loans written at 2% to 5% decide to move. Save a Hudson search on the map and we will email you the moment one lands.
An assumable mortgage lets a qualified buyer take over the seller's existing loan, keeping the original rate, balance, and remaining term instead of financing at today's roughly 7.2%. FHA, VA, and USDA loans are assumable by law; conventional loans almost never are. UMe confirms the loan terms with the listing agent, runs the assumption with the servicer, and connects buyers with lenders who write second loans behind an assumption when the seller's equity is more than their cash.
Verified in Hudson
Homes on the marketin Hudson.
VA
Active
47$699,000$311,830 down
- Rate
- 2.77%
7.28%today- Payment
- $1,820/mo
$3,042today
- 3beds
- 2baths
- 2,258sqft
13997 50th Street, Afton
FHA
Active
54$529,900$270,702 down
- Rate
- 2.86%
7.28%today- Payment
- $1,236/mo
$2,042today
- 3beds
- 3baths
- 2,159sqft
3177 Kingston Street, River Falls
VA
Active
83$1,875,000$1,363,781 down
- Rate
- 2.86%
7.28%today- Payment
- $2,880/mo
$4,471today
- 6beds
- 5baths
- 5,115sqft
4570 Neal Avenue, Stillwater
FHA
Active
35$660,000$337,146 down
- Rate
- 2.98%
7.28%today- Payment
- $1,531/mo
$2,491today
- 5beds
- 4baths
- 3,496sqft
11779 32nd Street, Lake Elmo
FHA
Active
24$339,000$179,894 down
- Rate
- 2.99%
7.28%today- Payment
- $771/mo
$1,253today
- 3beds
- 1baths
- 896sqft
16838 Upper 19th Street, Lakeland
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.
Run the Hudson numbers
What an assumable ratedoes to a Hudson payment.
The sliders start at the median Hudson assumable listing: $752,133 list price and a 2.85% 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)$150,000
20% 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 Hudson
$2,725/mo
New loan at 7.20%$4,073
Assumed at 2.85%
$2,725
Every month$1,348
Over five years$80,866
Interest you never pay$615,99626-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 Hudson listing on UMe shows the actual balance, rate, and payment.
How it works in Hudson
How to assumea mortgage in Hudson.
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 Hudson home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Hudson 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. 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 Hudson payment written in a different decade.
Hudson questions
Assuming a mortgagein Hudson.
The numbers below come from current Hudson inventory and update as listings change.
All assumption FAQsAre there assumable homes for sale in Hudson?
As of October 2026, there are no verified assumable listings in Hudson. New assumable homes appear every week across Wisconsin; save a search on the map and we will email you when one lands in Hudson.
What types of loans can be assumed in Hudson?
FHA, VA, and USDA mortgages are assumable by law and make up nearly all assumable listings in Wisconsin. Conventional loans usually include a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan.
How long does a mortgage assumption take in Hudson?
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 Hudson.The rate is already on the house.
Every listing on the Hudson map has a rate you can take over. Start with the ones in Hudson, get pre-qualified in minutes, and let UMe carry the assumption to closing.
