VA
Active
41$360,000$57,077 down
- Rate
- 3.04%
7.03%today- Payment
- $1,449/mo
$2,282today
- 4beds
- 3baths
- 2,657sqft
Wisconsin · Statewide
Assumable homes for salein Wisconsin.
49 homes in Wisconsin carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.68%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Wisconsin assumable market
by the numbers.
49active assumable listings
2.68%lowest locked rate
$400kmedian list price
$681saved per month vs. 7.2%
Across Wisconsin
Assumable homesby Wisconsin 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 Wisconsin on the map- 01New Richmond66 assumable homes · median 4.94%
- 02Amery44 assumable homes · median 3.92%
- 03River Falls44 assumable homes · median 4.59%
- 04Webster44 assumable homes · median 4.93%
- 05Danbury33 assumable homes · median 6.62%
- 06Osceola33 assumable homes · median 3.67%
- 07Prescott33 assumable homes · median 3.21%
- 08Elmwood22 assumable homes · median 4.28%
- 09Fountain City22 assumable homes · median 4.10%
- 10Menomonie22 assumable homes · median 4.79%
- 11Baldwin11 assumable home · median 3.11%
- 12Balsam Lake11 assumable home · median 6.47%
- 13Colfax11 assumable home · median 3.45%
- 14Cumberland11 assumable home · median 3.08%
- 15Eau Claire11 assumable home · median 6.50%
- 16Frederic11 assumable home · median 6.87%
- 17Glenwood City11 assumable home · median 2.78%
- 18Houlton11 assumable home · median 5.07%
- 19Hudson11 assumable home · median 7.03%
- 20Independence11 assumable home · median 6.50%
- 21Milltown11 assumable home · median 6.23%
- 22Roberts11 assumable home · median 6.50%
- 23Somerset11 assumable home · median 6.50%
- 24Star Prairie11 assumable home · median 2.86%
- 25Turtle Lake11 assumable home · median 4.17%
Also covered in Wisconsin, no verified assumable listings today:
- Alma
- Alma Center
- Almena
- Altoona
- Appleton
- Arcadia
- Arkansaw
- Arkdale
- Ashland
- Athens
- Augusta
- Bangor
- Barron
- Barronett
- Bay City
- Bayfield
- Beldenville
- Big Bend
- Birchwood
- Black River Falls
- Blair
- Bloomer
- Boyceville
- Boyd
- Bruce
- Brule
- Buffalo City
- Butternut
- Cable
- Cadott
- Cameron
- Cashton
- Centuria
- Chetek
- Chippewa Falls
- Clayton
- Clear Lake
- Clinton
- Cochrane
- Comstock
- Conrath
- Coon Valley
- Cornell
- Cornucopia
- Couderay
- Cushing
- Dallas
- De Soto
- Deer Park
- Deerfield
- Dorchester
- Downing
- Dresser
- Drummond
- Durand
- Eagle River
- Eau Galle
- Eleva
- Elk Mound
- Ellsworth
- Emerald
- Ettrick
- Eureka
- Exeland
- Fairchild
- Fall Creek
- Fitchburg
- Foxboro
- Galesville
- Gilman
- Glen Flora
- Glidden
- Gordon
- Grand View
- Grantsburg
- Greenwood
- Hager City
- Hammond
- Haugen
- Hawkins
- Hawthorne
- Hayward
- Hazelhurst
- Herbster
- Hertel
- Highbridge
- Hillsdale
- Hixton
- Holcombe
- Holmen
- Humbird
- Hurley
- Iron River
- Jackson
- Jim Falls
- Knapp
- La Crosse
- La Pointe
- Ladysmith
- Lake Nebagamon
- Loretta
- Lublin
- Luck
- Madison
- Maiden Rock
- Manawa
- Maple
- Marengo
- Marshfield
- Mason
- Medford
- Mellen
- Melrose
- Merrill
- Merrillan
- Mikana
- Milwaukee
- Mindoro
- Minong
- Mondovi
- Montello
- Mosinee
- Muskego
- Neillsville
- Nekoosa
- Nelson
- New Auburn
- New Lisbon
- Oconto
- Ogema
- Ojibwa
- Onalaska
- Osseo
- Owen
- Park Falls
- Pepin
- Pickerel
- Pittsville
- Plum City
- Poplar
- Port Wing
- Prairie Farm
- Radisson
- Readstown
- Rib Lake
- Rice Lake
- Ridgeland
- Rockland
- Salem
- Sarona
- Saxon
- Sheldon
- Shell Lake
- Siren
- Solon Springs
- South Range
- Sparta
- Spooner
- Spring Valley
- Springbrook
- St. Croix Falls
- Stanley
- Stockholm
- Stoddard
- Stone Lake
- Strum
- Superior
- Taylor
- Thorp
- Tomah
- Tomahawk
- Tony
- Trego
- Trempealeau
- Unity
- Warrens
- Washburn
- Waumandee
- West Allis
- West Salem
- Westboro
- Weyerhaeuser
- Wheeler
- Whitehall
- Willard
- Wilson
- Winter
- Wisconsin Dells
- Withee
- Woodville
About the market
Assumable mortgagesin Wisconsin, explained.
Every number on this page comes from the live MLS feeds UMe indexes across Wisconsin. Updated September 2026.
How assumptions work for buyersWisconsin has 49 homes for sale with an assumable mortgage as of September 2026: 26 FHA loans and 23 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 Wisconsin assumable listings start at 2.68% with a median of 4.82%; 20 listings are under 4% and 25 are under 5%.
The median assumable home in Wisconsin lists for $400,000, with a median of $128,791 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 $1,299 a month versus $1,980 for the same balance at today's rate, roughly $681 kept every month and $8,176 a year. The deepest Wisconsin inventory is in New Richmond (6), Amery (4), River Falls (4), Webster (4), and Danbury (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 Wisconsin assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified across Wisconsin
View all 49 on the map Homes on the marketacross Wisconsin.
VA
Active
57$374,900$146,995 down
- Rate
- 2.77%
7.03%today- Payment
- $1,064/mo
$1,734today
- 3beds
- 2baths
- 2,194sqft
N7499 515th Street, Menomonie
VA
Active
28$209,900$64,645 down
- Rate
- 2.90%
7.03%today- Payment
- $681/mo
$1,092today
- 3beds
- 1baths
- 1,600sqft
121 Race Avenue, Elmwood
FHA
Active
51$435,000$173,320 down
- Rate
- 3.10%
7.03%today- Payment
- $1,238/mo
$1,935today
- 4beds
- 4baths
- 2,912sqft
28478 Jesse Ryan Court, Danbury
FHA
Active
42$485,000$201,307 down
- Rate
- 2.68%
7.03%today- Payment
- $1,317/mo
$2,173today
- 6beds
- 4baths
- 3,994sqft
W157 Thomas Road, Fountain City
VA
Active
44$575,000$314,088 down
- Rate
- 2.78%
7.03%today- Payment
- $1,228/mo
$1,999today
- 4beds
- 3baths
- 2,750sqft
120 Leising Avenue, Glenwood City
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 Wisconsin.
Live counts from the MLS feeds we index for Wisconsin. Updated September 2026.
- Active listings
- 49
- UMe Certified / verified
- 0
- Lowest rate
- 2.68%
- Median rate
- 4.82%
- Median list price
- $400,000
- Median cash to assume
- $128,791
Wisconsin listings by locked rate
- Under 4%20 homes
- 4% – 5%5 homes
- 5% – 6%4 homes
- 6% and up19 homes
Wisconsin listings by loan type
- FHA26 homesmedian 4.17%
- VA23 homesmedian 4.99%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
Run the Wisconsin numbers
What an assumable ratedoes to a Wisconsin payment.
The sliders start at the median Wisconsin assumable listing: $400,000 list price and a 4.82% 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)$130,000
33% 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 Wisconsin
$1,516/mo
New loan at 7.20%$1,833
Assumed at 4.80%
$1,516
Every month$316
Over five years$18,979
Interest you never pay$186,66126-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 Wisconsin listing on UMe shows the actual balance, rate, and payment.
How it works in Wisconsin
How to assumea mortgage in Wisconsin.
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 Wisconsin home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Wisconsin 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 $128,791 in Wisconsin 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 Wisconsin payment written in a different decade.
Wisconsin questions
Assuming a mortgagein Wisconsin.
The numbers below come from current Wisconsin inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Wisconsin?
As of September 2026, UMe tracks 49 active assumable listings in Wisconsin. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Wisconsin?
Current Wisconsin inventory breaks down as FHA (26, median 4.17%) and VA (23, median 4.99%). 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 Wisconsin?
The lowest rate on an active Wisconsin assumable listing is 2.68%, and the median across all 49 listings is 4.82%. 20 listings are under 4% and 25 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 Wisconsin?
Across current Wisconsin listings, the median principal-and-interest payment on the assumable loan is $1,299 per month versus $1,980 for the same balance at today's rates, a difference of about $681 every month, or $8,176 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 Wisconsin?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Wisconsin that gap is currently a median of $128,791 on a median list price of $400,000. 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 Wisconsin cities have the most assumable homes?
The deepest assumable inventory in Wisconsin is in New Richmond (6), Amery (4), River Falls (4), Webster (4), and Danbury (3). Each city has its own page with live counts, rates, and neighborhoods, and the Wisconsin map lets you search the whole state at once.
How long does a mortgage assumption take in Wisconsin?
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 Wisconsin.The rate is already on the house.
Every listing on the Wisconsin 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.
