2.80% VA
$210,000
$756/mo
1430 11th Street
Fargo, ND
3 bd2 ba1,528 sqft
Dilworth, Minnesota
Keep the rate.
Buy the home in Dilworth.
2 assumable homes for sale in Dilworth, with locked rates from 3.62%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
3.77%
vs 7.2% market
$446/mo saved
Median locked rate
3.77%
Across 2 assumable listings
Typical monthly savings
$446
On a $259,950 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 Dilworth
Homes with a rate worth keeping
2.84% VA
$389,900
$1,404/mo
4312 10th Street
Moorhead, MN
4 bd4 ba2,649 sqft
2.94% FHA
$275,000
$1,035/mo
1849 29th Street Circle
Moorhead, MN
4 bd3 ba2,284 sqft
2.98% FHA
$265,000
$964/mo
1637 8th Avenue
Fargo, ND
6 bd3 ba3,032 sqft
3.18% VA
$315,000
$1,078/mo
2728 29th Avenue
Moorhead, MN
4 bd2 ba1,848 sqft
2.65% VA
$409,900
$1,257/mo
3902 6TH Street
Moorhead, MN
3 bd3 ba2,292 sqft
Inventory snapshot
What’s assumable in Dilworth right now
Live counts from the MLS feeds we index for Minnesota. Updated August 2026.
- Active listings
- 2
- Certified / verified
- 0
- Lowest rate
- 3.62%
- Median rate
- 3.77%
- Median list price
- $259,950
- Median cash to assume
- $108,277
Listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Listings by loan type
- FHA1 homemedian 3.91%
- VA1 homemedian 3.62%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Dilworth ZIP code
Nearby markets
More assumable homes in Minnesota
- Minneapolis94
- Saint Paul93
- Rosemount38
- Moorhead29
- Farmington27
- Owatonna25
- Woodbury25
- Rochester23
- Lakeville22
- Shakopee22
- Cottage Grove19
- Oakdale18
- Ramsey16
- Elk River15
- Faribault15
- Mankato15
- Brooklyn Park14
- Andover12
- Apple Valley12
- Big Lake12
- Brainerd12
- Burnsville12
- Ada
- Adams
Run your numbers
The cost of waiting in Dilworth.
A 7.2% new loan against an assumable one at 3.77%, same balance, 30 years.
You keep every month
$446/mo
Over a year$5,355
Monthly payment, side by side
7.2% vs 3.77%
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 Dilworth
Numbers below come from current Dilworth inventory and update as listings change.
- How many assumable homes are for sale in Dilworth?
- As of August 2026, UMe tracks 2 active assumable listings in Dilworth. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Dilworth?
- Current Dilworth inventory breaks down as FHA (1, median 3.91%) and VA (1, median 3.62%). 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 Dilworth right now?
- The lowest rate on an active Dilworth assumable listing is 3.62%, and the median across all 2 listings is 3.77%. 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 Dilworth?
- Across current Dilworth listings, the median principal-and-interest payment on the assumable loan is $857 per month versus $1,303 for the same balance at today's rates, a difference of about $446 every month, or $5,349 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 Dilworth?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Dilworth that gap is currently a median of $108,277 on a median list price of $259,950. 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 Dilworth ZIP codes have the most assumable homes?
- The Dilworth ZIP codes with the most active assumable listings are 56529 (2). 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 Dilworth?
- 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 Dilworth.
Every listing on the map has a rate you can take over. Start with the ones in Minnesota, or list your own low-rate loan and let buyers come to you.
