2.87% VA
$924,999
$3,651/mo
24560 Cedar Point Road
New Prague, MN
5 bd5 ba5,003 sqft
Lonsdale, Minnesota
Keep the rate.
Buy the home in Lonsdale.
4 assumable homes for sale in Lonsdale, with locked rates from 3.47%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.80%
vs 7.2% market
$404/mo saved
Median locked rate
5.80%
Across 4 assumable listings
Typical monthly savings
$404
On a $455,450 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 Lonsdale
Homes with a rate worth keeping
2.88% VA
$795,000
$1,800/mo
20426 Lynn Drive
Prior Lake, MN
3 bd4 ba3,378 sqft
3.47% FHA
$499,900
$1,290/mo
1309 Deerview Court
Lonsdale, MN
4 bd3 ba3,182 sqft
3.57% FHA
$399,500
$994/mo
346 Wagner Way
Elko New Market, MN
4 bd2 ba2,180 sqft
5.11% FHA
$355,000
$1,905/mo
262 16th Avenue
Lonsdale, MN
3 bd2 ba1,476 sqft
6.50% VA
$411,000
$2,370/mo
118 4th Avenue
Lonsdale, MN
4 bd2 ba2,618 sqft
Inventory snapshot
What’s assumable in Lonsdale right now
Live counts from the MLS feeds we index for Minnesota. Updated September 2026.
- Active listings
- 4
- Certified / verified
- 0
- Lowest rate
- 3.47%
- Median rate
- 5.80%
- Median list price
- $455,450
- Median cash to assume
- $71,721
Listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up2 homes
Listings by loan type
- FHA3 homesmedian 5.11%
- VA1 homemedian 6.50%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Lonsdale 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 Lonsdale.
A 7.2% new loan against an assumable one at 5.80%, same balance, 30 years.
You keep every month
$335/mo
Over a year$4,020
Monthly payment, side by side
7.2% vs 5.80%
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 Lonsdale
Numbers below come from current Lonsdale inventory and update as listings change.
- How many assumable homes are for sale in Lonsdale?
- As of September 2026, UMe tracks 4 active assumable listings in Lonsdale. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Lonsdale?
- Current Lonsdale inventory breaks down as FHA (3, median 5.11%) and VA (1, median 6.50%). 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 Lonsdale right now?
- The lowest rate on an active Lonsdale assumable listing is 3.47%, and the median across all 4 listings is 5.80%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
- How much can I save with a mortgage assumption in Lonsdale?
- Across current Lonsdale listings, the median principal-and-interest payment on the assumable loan is $2,138 per month versus $2,541 for the same balance at today's rates, a difference of about $404 every month, or $4,843 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 Lonsdale?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Lonsdale that gap is currently a median of $71,721 on a median list price of $455,450. 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 Lonsdale ZIP codes have the most assumable homes?
- The Lonsdale ZIP codes with the most active assumable listings are 55046 (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 Lonsdale?
- 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 Lonsdale.
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.
