3.07% VA
$199,900
$659/mo
2877 Warwick Loop
Bismarck, ND
3 bd2 ba— sqft
Bismarck, North Dakota
Keep the rate.
Buy the home in Bismarck.
26 assumable homes for sale in Bismarck, with locked rates from 2.77%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
4.03%
vs 7.2% market
$481/mo saved
Median locked rate
4.03%
Across 26 assumable listings
Typical monthly savings
$481
On a $359,400 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Bismarck
Homes with a rate worth keeping
2.77% VA
$525,000
$1,719/mo
757 Augsburg Avenue
Bismarck, ND
5 bd3 ba— sqft
2.83% VA
$415,000
$1,347/mo
319 N 13th Street
Bismarck, ND
8 bd4 ba— sqft
2.98% FHA
$474,900
$1,395/mo
7112 Ashbury Circle
Bismarck, ND
5 bd3 ba— sqft
2.98% VA
$264,900
$784/mo
3720 Renee Drive
Bismarck, ND
3 bd3 ba— sqft
2.98% VA
$414,900
$1,319/mo
1413 Shires Drive
Mandan, ND
4 bd3 ba— sqft
Inventory snapshot
What’s assumable in Bismarck right now
Live counts from the MLS feeds we index for North Dakota. Updated September 2026.
- Active listings
- 26
- Certified / verified
- 0
- Lowest rate
- 2.77%
- Median rate
- 4.03%
- Median list price
- $359,400
- Median cash to assume
- $124,154
Listings by locked rate
- Under 4%12 homes
- 4% – 5%6 homes
- 5% – 6%3 homes
- 6% and up4 homes
Listings by loan type
- FHA14 homesmedian 4.45%
- VA12 homesmedian 3.35%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Bismarck ZIP code
Nearby markets
More assumable homes in North Dakota
- Fargo38
- Williston36
- Dickinson18
- West Fargo16
- Mandan13
- Horace11
- Watford City11
- Jamestown9
- Minot5
- Casselton4
- Hazen4
- New Salem3
- Valley City3
- Wahpeton3
- Arnegard2
- Arthur2
- Beulah2
- Fingal2
- Lincoln2
- Lisbon2
- Belfield1
- Bowbells1
- Crosby1
- Abercrombie
Run your numbers
The cost of waiting in Bismarck.
A 7.2% new loan against an assumable one at 4.03%, same balance, 30 years.
You keep every month
$575/mo
Over a year$6,900
Monthly payment, side by side
7.2% vs 4.03%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Bismarck
Numbers below come from current Bismarck inventory and update as listings change.
- How many assumable homes are for sale in Bismarck?
- As of September 2026, UMe tracks 26 active assumable listings in Bismarck. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Bismarck?
- Current Bismarck inventory breaks down as FHA (14, median 4.45%) and VA (12, median 3.35%). 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 Bismarck right now?
- The lowest rate on an active Bismarck assumable listing is 2.77%, and the median across all 26 listings is 4.03%. 12 listings are under 4% and 18 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 Bismarck?
- Across current Bismarck listings, the median principal-and-interest payment on the assumable loan is $1,347 per month versus $1,828 for the same balance at today's rates, a difference of about $481 every month, or $5,775 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 Bismarck?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Bismarck that gap is currently a median of $124,154 on a median list price of $359,400. 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 Bismarck ZIP codes have the most assumable homes?
- The Bismarck ZIP codes with the most active assumable listings are 58504 (10), 58501 (8), and 58503 (8). 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 Bismarck?
- 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 Bismarck.
Every listing on the map has a rate you can take over. Start with the ones in North Dakota, or list your own low-rate loan and let buyers come to you.
