FHA
Active
15$383,900$67,593 down
- Rate
- 2.86%
7.03%today- Payment
- $1,464/mo
$2,359today
- 3beds
- 2baths
- 1,636sqft
Wyoming, Minnesota
Assumable homes for salein Wyoming, Minnesota.
4 homes in Wyoming carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.85%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Wyoming assumable market
by the numbers.
4active assumable listings
3.85%lowest locked rate
$555kmedian list price
$615saved per month vs. 7.2%
About the market
Assumable mortgagesin Wyoming, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Minnesota, filtered to Wyoming. Updated September 2026.
How assumptions work for buyersWyoming, Minnesota has 4 homes for sale with an assumable mortgage as of September 2026: 2 FHA loans and 2 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 Wyoming assumable listings start at 3.85% with a median of 4.73%; 2 listings are under 4% and 2 are under 5%.
The median assumable home in Wyoming lists for $554,950, with a median of $183,797 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 $2,326 a month versus $2,941 for the same balance at today's rate, roughly $615 kept every month and $7,379 a year. The most active Wyoming ZIP codes are 55092 (4).
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 Wyoming assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Wyoming
View all 4 on the map Homes on the marketin Wyoming.
VA
Active
36$463,000$62,469 down
- Rate
- 3.07%
7.03%today- Payment
- $1,897/mo
$2,976today
- 5beds
- 3baths
- 2,588sqft
5257 200th Street, Forest Lake
FHA
Active
22$285,000$103,227 down
- Rate
- 3.18%
7.03%today- Payment
- $883/mo
$1,366today
- 3beds
- 3baths
- 1,982sqft
15240 Fanning Drive, Hugo
VA
Active
37$689,900$471,998 down
- Rate
- 2.94%
7.03%today- Payment
- $1,017/mo
$1,623today
- 3beds
- 3baths
- 2,682sqft
18046 Zodiac Street, Forest Lake
VA
Active
19$399,900$175,679 down
- Rate
- 2.98%
7.03%today- Payment
- $1,118/mo
$1,754today
- 3beds
- 2baths
- 2,332sqft
8750 212th Street, Forest Lake
FHA
Active
43$499,500$290,936 down
- Rate
- 3.50%
7.03%today- Payment
- $1,199/mo
$1,782today
- 5beds
- 4baths
- 2,231sqft
37283 Heritage Way, North Branch
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 Wyoming.
Live counts from the MLS feeds we index for Minnesota. Updated September 2026.
- Active listings
- 4
- UMe Certified / verified
- 0
- Lowest rate
- 3.85%
- Median rate
- 4.73%
- Median list price
- $554,950
- Median cash to assume
- $183,797
Wyoming listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up1 home
Wyoming listings by loan type
- FHA2 homesmedian 4.68%
- VA2 homesmedian 5.22%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Wyoming ZIP code.
Each ZIP opens the Wyoming map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Wyoming numbers
What an assumable ratedoes to a Wyoming payment.
The sliders start at the median Wyoming assumable listing: $554,950 list price and a 4.73% 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)$185,000
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 Wyoming
$2,067/mo
New loan at 7.20%$2,512
Assumed at 4.75%
$2,067
Every month$444
Over five years$26,654
Interest you never pay$259,15126-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 Wyoming listing on UMe shows the actual balance, rate, and payment.
How it works in Wyoming
How to assumea mortgage in Wyoming.
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 Wyoming home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Wyoming 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 $183,797 in Wyoming 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 Wyoming payment written in a different decade.
Wyoming questions
Assuming a mortgagein Wyoming.
The numbers below come from current Wyoming inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Wyoming?
As of September 2026, UMe tracks 4 active assumable listings in Wyoming. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Wyoming?
Current Wyoming inventory breaks down as FHA (2, median 4.68%) and VA (2, median 5.22%). 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 Wyoming?
The lowest rate on an active Wyoming assumable listing is 3.85%, and the median across all 4 listings is 4.73%. 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 Wyoming?
Across current Wyoming listings, the median principal-and-interest payment on the assumable loan is $2,326 per month versus $2,941 for the same balance at today's rates, a difference of about $615 every month, or $7,379 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 Wyoming?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Wyoming that gap is currently a median of $183,797 on a median list price of $554,950. 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 Wyoming ZIP codes have the most assumable homes?
The Wyoming ZIP codes with the most active assumable listings are 55092 (4). 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 Wyoming?
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 Wyoming.The rate is already on the house.
Every listing on the Wyoming map has a rate you can take over. Start with the ones in Wyoming, get pre-qualified in minutes, and let UMe carry the assumption to closing.
