FHA
Active
20$245,000$77,569 down
- Rate
- 2.74%
7.03%today- Payment
- $781/mo
$1,278today
- 4beds
- 1baths
- —sqft
North Dakota · Statewide
Assumable homes for salein North Dakota.
165 homes in North Dakota carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.36%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
North Dakota assumable market
by the numbers.
165active assumable listings
2.36%lowest locked rate
$330kmedian list price
$531saved 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- 01Fargo3636 assumable homes · median 3.85%
- 02Williston2727 assumable homes · median 6.19%
- 03Dickinson1515 assumable homes · median 6.19%
- 04Mandan1212 assumable homes · median 5.40%
- 05Horace1111 assumable homes · median 6.35%
- 06West Fargo1010 assumable homes · median 5.34%
- 07Bismarck99 assumable homes · median 4.46%
- 08Watford City88 assumable homes · median 3.89%
- 09Hazen44 assumable homes · median 3.31%
- 10Jamestown44 assumable homes · median 6.45%
- 11Valley City44 assumable homes · median 3.73%
- 12Wahpeton33 assumable homes · median 6.34%
- 13Beulah22 assumable homes · median 4.61%
- 14Minot22 assumable homes · median 3.98%
- 15Arnegard11 assumable home · median 3.60%
- 16Bowbells11 assumable home · median 6.84%
- 17Crosby11 assumable home · median 6.94%
- 18Devils Lake11 assumable home · median 2.94%
- 19Epping11 assumable home · median 2.81%
- 20Glen Ullin11 assumable home · median 4.65%
- 21Grandin11 assumable home · median 3.44%
- 22Gwinner11 assumable home · median 4.27%
- 23Hankinson11 assumable home · median 6.54%
- 24Harvey11 assumable home · median 2.90%
- 25Hope11 assumable home · median 6.29%
- 26Lisbon11 assumable home · median 4.90%
- 27New Salem11 assumable home · median 3.09%
- 28Steele11 assumable home · median 2.36%
- 29Thompson11 assumable home · median 6.74%
- 30Tioga11 assumable home · median 6.50%
- 31Turtle Lake11 assumable home · median 3.44%
- 32Wing11 assumable home · median 2.87%
Also covered in North Dakota, no verified assumable listings today:
- Abercrombie
- Absaraka
- Adams
- Adrian
- Alamo
- Alexander
- Alfred
- Alice
- Alkabo
- Almont
- Ambrose
- Amenia
- Amidon
- Aneta
- Argusville
- Arthur
- Arvilla
- Ashley
- Ayr
- Baldwin
- Barney
- Bathgate
- Beach
- Belcourt
- Belfield
- Berthold
- Binford
- Blanchard
- Bottineau
- Bowdon
- Bowman
- Braddock
- Buchanan
- Buffalo
- Burlington
- Butte
- Buxton
- Cando
- Carrington
- Carson
- Cartwright
- Casselton
- Cathay
- Cavalier
- Cayuga
- Center
- Chaffee
- Christine
- Cleveland
- Clifford
- Cogswell
- Coleharbor
- Colfax
- Colgate
- Columbus
- Cooperstown
- Courtenay
- Crary
- Crete
- Cummings
- Davenport
- Dawson
- Dazey
- Deering
- Dickey
- Dodge
- Donnybrook
- Douglas
- Drake
- Driscoll
- Dunn Center
- Dunseith
- Durbin
- Dwight
- Eckelson
- Edgeley
- Edinburg
- Egeland
- Elgin
- Ellendale
- Embden
- Emerado
- Enderlin
- Erie
- Esmond
- Fairfield
- Fairmount
- Fairview
- Fessenden
- Fingal
- Finley
- Flasher
- Forbes
- Forman
- Fort Ransom
- Fort Rice
- Fort Yates
- Fortuna
- Foxholm
- Fredonia
- Fullerton
- Gackle
- Galchutt
- Galesburg
- Gardner
- Garrison
- Gladstone
- Glenburn
- Golden Valley
- Golva
- Goodrich
- Grace City
- Grand Forks
- Granville
- Grassy Butte
- Great Bend
- Grenora
- Hague
- Halliday
- Hampden
- Harwood
- Hastings
- Hatton
- Havana
- Hazelton
- Hebron
- Hettinger
- Hickson
- Hillsboro
- Hunter
- Hurdsfield
- Inkster
- Jud
- Kathryn
- Keene
- Kenmare
- Kensal
- Killdeer
- Kindred
- Kramer
- Kulm
- Lakota
- Lamoure
- Langdon
- Lansford
- Larimore
- Lefor
- Lehr
- Leith
- Leonard
- Lidgerwood
- Lignite
- Lincoln
- Linton
- Litchville
- Luverne
- Makoti
- Mandaree
- Manning
- Mantador
- Manvel
- Mapleton
- Marion
- Max
- Maxbass
- Mayville
- McClusky
- McGregor
- McHenry
- McKenzie
- McLeod
- McVille
- Medina
- Medora
- Menoken
- Mercer
- Milnor
- Minto
- Moffit
- Mohall
- Monango
- Montpelier
- Mooreton
- Mott
- Mountain
- Napoleon
- Neche
- New England
- New Leipzig
- New Rockford
- New Town
- Nome
- Noonan
- Northwood
- Oakes
- Oriska
- Oxbow
- Page
- Palermo
- Parshall
- Pembina
- Pettibone
- Pick City
- Pingree
- Plaza
- Portal
- Portland
- Powers Lake
- Prairie Rose
- Ray
- Reeder
- Regan
- Regent
- Reiles Acres
- Reynolds
- Richardton
- Riverdale
- Robinson
- Rocklake
- Rogers
- Rolette
- Rolla
- Ross
- Rugby
- Rutland
- Ryder
- Saint Anthony
- Saint Thomas
- Sanborn
- Sarles
- Selfridge
- Sentinel Butte
- Sharon
- Sheldon
- Sibley
- Solen
- Souris
- South Heart
- Spiritwood
- Stanley
- Stanton
- Sterling
- Stirum
- Strasburg
- Streeter
- Surrey
- Sutton
- Sykeston
- Taylor
- Tower City
- Towner
- Trenton
- Tuttle
- Underwood
- Upham
- Velva
- Venturia
- Verona
- Walcott
- Wales
- Walhalla
- Washburn
- Wheatland
- White Earth
- Wildrose
- Wilton
- Wimbledon
- Wishek
- Wyndmere
- Ypsilanti
- Zahl
- Zap
- Zeeland
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 September 2026.
How assumptions work for buyersNorth Dakota has 165 homes for sale with an assumable mortgage as of September 2026: 110 FHA loans and 55 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 2.36% with a median of 4.65%; 65 listings are under 4% and 84 are under 5%.
The median assumable home in North Dakota lists for $330,000, with a median of $97,103 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 $1,252 a month versus $1,784 for the same balance at today's rate, roughly $531 kept every month and $6,376 a year. The deepest North Dakota inventory is in Fargo (36), Williston (27), Dickinson (15), Mandan (12), and Horace (11).
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
View all 165 on the map Homes on the marketacross North Dakota.
FHA
Active
47$350,000$116,655 down
- Rate
- 2.96%
7.03%today- Payment
- $1,102/mo
$1,753today
- 3beds
- 2baths
- 1,352sqft
2608 Terrace View Drive, Watford City
FHA
Active
47$350,000$116,655 down
- Rate
- 2.96%
7.03%today- Payment
- $1,102/mo
$1,753today
- 3beds
- 2baths
- 1,352sqft
2608 Terrace View Drive, Watford City
FHA
Active
33$335,000$134,580 down
- Rate
- 3.06%
7.03%today- Payment
- $961/mo
$1,509today
- 4beds
- 2baths
- —sqft
208 4th Avenue, Watford City
FHA
Active
63$480,000$158,962 down
- Rate
- 3.06%
7.03%today- Payment
- $1,539/mo
$2,418today
- 4beds
- 3baths
- —sqft
3225 Wheat Ridge Street, Williston
VA
Active
48$845,000$390,548 down
- Rate
- 2.77%
7.03%today- Payment
- $2,131/mo
$3,474today
- 6beds
- 4baths
- —sqft
14726 Lambert Street, 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 September 2026.
- Active listings
- 165
- UMe Certified / verified
- 0
- Lowest rate
- 2.36%
- Median rate
- 4.65%
- Median list price
- $330,000
- Median cash to assume
- $97,103
North Dakota listings by locked rate
- Under 4%65 homes
- 4% – 5%19 homes
- 5% – 6%6 homes
- 6% and up75 homes
North Dakota listings by loan type
- FHA110 homesmedian 5.26%
- VA55 homesmedian 4.26%
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: $330,000 list price and a 4.65% 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)$95,000
29% 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
$1,299/mo
New loan at 7.20%$1,595
Assumed at 4.65%
$1,299
Every month$296
Over five years$17,745
Interest you never pay$168,84326-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.
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- 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.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $97,103 in North Dakota 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 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 FAQsHow many assumable homes are for sale in North Dakota?
As of September 2026, UMe tracks 165 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 (110, median 5.26%) and VA (55, median 4.26%). 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 2.36%, and the median across all 165 listings is 4.65%. 65 listings are under 4% and 84 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 $1,252 per month versus $1,784 for the same balance at today's rates, a difference of about $531 every month, or $6,376 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 $97,103 on a median list price of $330,000. 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 Fargo (36), Williston (27), Dickinson (15), Mandan (12), and Horace (11). 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.
