VA
Active
79$549,900$140,478 down
- Rate
- 2.67%
7.03%today- Payment
- $1,899/mo
$3,136today
- 4beds
- 4baths
- 3,276sqft
Mapleton, Minnesota
Assumable homes for salein Mapleton, Minnesota.
3 homes in Mapleton carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.96%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Mapleton assumable market
by the numbers.
3active assumable listings
2.96%lowest locked rate
$250kmedian list price
$462saved per month vs. 7.2%
About the market
Assumable mortgagesin Mapleton, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Minnesota, filtered to Mapleton. Updated September 2026.
How assumptions work for buyersMapleton, Minnesota has 3 homes for sale with an assumable mortgage as of September 2026: 2 FHA loans and 1 VA loan 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 Mapleton assumable listings start at 2.96% with a median of 3.10%; 2 listings are under 4% and 2 are under 5%.
The median assumable home in Mapleton lists for $250,000, with a median of $89,473 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 $761 a month versus $1,223 for the same balance at today's rate, roughly $462 kept every month and $5,550 a year. The most active Mapleton ZIP codes are 56065 (3).
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 Mapleton assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Mapleton
View all 3 on the map Homes on the marketin Mapleton.
FHA
Active
41$252,400$83,118 down
- Rate
- 2.96%
7.03%today- Payment
- $801/mo
$1,274today
- 4beds
- 2baths
- 1,492sqft
503 Central Avenue, Mapleton
VA
Active
45$449,900$159,062 down
- Rate
- 3.08%
7.03%today- Payment
- $1,398/mo
$2,190today
- 3beds
- 3baths
- 2,745sqft
101 Mapleridge Drive, Mankato
VA
Active
42$250,000$92,773 down
- Rate
- 3.10%
7.03%today- Payment
- $746/mo
$1,165today
- 2beds
- 2baths
- 2,080sqft
307 8th Avenue, Mapleton
VA
Active
34$258,800$26,505 down
- Rate
- 6.35%
7.03%today- Payment
- $1,458/mo
$1,564today
- 3beds
- 2baths
- 2,266sqft
31 Lake Avenue, Minnesota Lake
FHA
Active
24$169,000$58,892 down
- Rate
- 7.07%
7.03%today- Payment
- $761/mo
$758today
- 2beds
- 1baths
- 1,100sqft
508 Silver Street, Mapleton
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 Mapleton.
Live counts from the MLS feeds we index for Minnesota. Updated September 2026.
- Active listings
- 3
- UMe Certified / verified
- 0
- Lowest rate
- 2.96%
- Median rate
- 3.10%
- Median list price
- $250,000
- Median cash to assume
- $89,473
Mapleton listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Mapleton listings by loan type
- FHA2 homesmedian 5.01%
- VA1 homemedian 3.10%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Mapleton ZIP code.
Each ZIP opens the Mapleton map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Mapleton numbers
What an assumable ratedoes to a Mapleton payment.
The sliders start at the median Mapleton assumable listing: $250,000 list price and a 3.10% 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)$90,000
36% 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 Mapleton
$748/mo
New loan at 7.20%$1,086
Assumed at 3.10%
$748
Every month$338
Over five years$20,309
Interest you never pay$157,73726-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 Mapleton listing on UMe shows the actual balance, rate, and payment.
How it works in Mapleton
How to assumea mortgage in Mapleton.
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 Mapleton home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Mapleton 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 $89,473 in Mapleton 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 Mapleton payment written in a different decade.
Mapleton questions
Assuming a mortgagein Mapleton.
The numbers below come from current Mapleton inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Mapleton?
As of September 2026, UMe tracks 3 active assumable listings in Mapleton. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Mapleton?
Current Mapleton inventory breaks down as FHA (2, median 5.01%) and VA (1, median 3.10%). 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 Mapleton?
The lowest rate on an active Mapleton assumable listing is 2.96%, and the median across all 3 listings is 3.10%. 2 listings are under 4% and 2 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 Mapleton?
Across current Mapleton listings, the median principal-and-interest payment on the assumable loan is $761 per month versus $1,223 for the same balance at today's rates, a difference of about $462 every month, or $5,550 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 Mapleton?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Mapleton that gap is currently a median of $89,473 on a median list price of $250,000. 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 Mapleton ZIP codes have the most assumable homes?
The Mapleton ZIP codes with the most active assumable listings are 56065 (3). 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 Mapleton?
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 Mapleton.The rate is already on the house.
Every listing on the Mapleton map has a rate you can take over. Start with the ones in Mapleton, get pre-qualified in minutes, and let UMe carry the assumption to closing.
