VA
Active
78$450,000$49,276 down
- Rate
- 2.84%
7.28%today- Payment
- $1,859/mo
$3,079today
- 3beds
- 3baths
- 2,811sqft
Woodbury, Minnesota
Assumable homes for salein Woodbury, Minnesota.
24 homes in Woodbury carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.65%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Woodbury assumable market
by the numbers.
24active assumable listings
2.65%lowest locked rate
$354kmedian list price
$642saved per month vs. 7.2%
About the market
Assumable mortgagesin Woodbury, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Minnesota, filtered to Woodbury. Updated October 2026.
How assumptions work for buyersWoodbury, Minnesota has 24 homes for sale with an assumable mortgage as of October 2026: 13 FHA loans and 11 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 Woodbury assumable listings start at 2.65% with a median of 3.91%; 12 listings are under 4% and 15 are under 5%.
The median assumable home in Woodbury lists for $353,700, with a median of $157,928 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 $1,126 a month versus $1,768 for the same balance at today's rate, roughly $642 kept every month and $7,707 a year. The most active Woodbury ZIP codes are 55125 (12) and 55129 (12).
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 Woodbury assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Woodbury
View all 24 on the map Homes on the marketin Woodbury.
FHA
Active
32$209,900$37,739 down
- Rate
- 2.88%
7.28%today- Payment
- $804/mo
$1,325today
- 2beds
- 2baths
- 1,208sqft
410 Hickory Lane, Oakdale
FHA
Active
19$249,900$47,981 down
- Rate
- 3.07%
7.28%today- Payment
- $952/mo
$1,532today
- 4beds
- 1baths
- 1,442sqft
1828 Bush Avenue, Saint Paul
FHA
Active
21$389,900$102,331 down
- Rate
- 2.78%
7.28%today- Payment
- $1,328/mo
$2,217today
- 4beds
- 2baths
- 1,950sqft
8542 Greystone Avenue, Cottage Grove
FHA
Active
27$235,000$68,781 down
- Rate
- 2.87%
7.28%today- Payment
- $774/mo
$1,276today
- 6beds
- 2baths
- 1,465sqft
1105 Rose Avenue, Saint Paul
VA
Active
29$335,000$99,716 down
- Rate
- 2.89%
7.28%today- Payment
- $1,126/mo
$1,853today
- 2beds
- 2baths
- 1,464sqft
7590 Newbury Road, Woodbury
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 Woodbury.
Live counts from the MLS feeds we index for Minnesota. Updated October 2026.
- Active listings
- 24
- UMe Certified / verified
- 0
- Lowest rate
- 2.65%
- Median rate
- 3.91%
- Median list price
- $353,700
- Median cash to assume
- $157,928
Woodbury listings by locked rate
- Under 4%12 homes
- 4% – 5%3 homes
- 5% – 6%2 homes
- 6% and up7 homes
Woodbury listings by loan type
- FHA13 homesmedian 4.57%
- VA11 homesmedian 3.60%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Woodbury ZIP code.
Each ZIP opens the Woodbury map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Woodbury numbers
What an assumable ratedoes to a Woodbury payment.
The sliders start at the median Woodbury assumable listing: $353,700 list price and a 3.91% 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)$160,000
45% 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 Woodbury
$995/mo
New loan at 7.20%$1,324
Assumed at 3.90%
$995
Every month$328
Over five years$19,690
Interest you never pay$165,92526-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 Woodbury listing on UMe shows the actual balance, rate, and payment.
How it works in Woodbury
How to assumea mortgage in Woodbury.
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 Woodbury home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Woodbury 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 $157,928 in Woodbury 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 Woodbury payment written in a different decade.
Woodbury questions
Assuming a mortgagein Woodbury.
The numbers below come from current Woodbury inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Woodbury?
As of October 2026, UMe tracks 24 active assumable listings in Woodbury. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Woodbury?
Current Woodbury inventory breaks down as FHA (13, median 4.57%) and VA (11, median 3.60%). 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 Woodbury?
The lowest rate on an active Woodbury assumable listing is 2.65%, and the median across all 24 listings is 3.91%. 12 listings are under 4% and 15 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 Woodbury?
Across current Woodbury listings, the median principal-and-interest payment on the assumable loan is $1,126 per month versus $1,768 for the same balance at today's rates, a difference of about $642 every month, or $7,707 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 Woodbury?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Woodbury that gap is currently a median of $157,928 on a median list price of $353,700. 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 Woodbury ZIP codes have the most assumable homes?
The Woodbury ZIP codes with the most active assumable listings are 55125 (12) and 55129 (12). 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 Woodbury?
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 Woodbury.The rate is already on the house.
Every listing on the Woodbury map has a rate you can take over. Start with the ones in Woodbury, get pre-qualified in minutes, and let UMe carry the assumption to closing.
