2.90% VA
$265,000
$1,001/mo
802 University Avenue
Williston, ND
4 bd4 ba— sqft
North Dakota · Statewide
Keep the rate.
Buy the home in North Dakota.
232 assumable homes for sale in North Dakota, with locked rates from 2.15%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
4.30%
vs 7.2% market
$500/mo saved
Median locked rate
4.30%
Across 232 assumable listings
Typical monthly savings
$500
On a $329,450 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 North Dakota
Homes with a rate worth keeping
3.10% VA
$310,000
$1,357/mo
807 20th Street
Williston, ND
4 bd2 ba— sqft
2.89% FHA
$150,000
$535/mo
236 Main Avenue
Dickinson, ND
3 bd2 ba— sqft
2.67% FHA
$335,000
$932/mo
236 8th Street
Dickinson, ND
3 bd2 ba1,872 sqft
2.74% FHA
$245,000
$781/mo
505 5th Avenue
Williston, ND
4 bd1 ba— sqft
2.84% FHA
$320,000
$1,021/mo
531 3rd Avenue
Dickinson, ND
5 bd3 ba— sqft
Inventory snapshot
What’s assumable in North Dakota right now
Live counts from the MLS feeds we index for North Dakota. Updated September 2026.
- Active listings
- 232
- Certified / verified
- 0
- Lowest rate
- 2.15%
- Median rate
- 4.30%
- Median list price
- $329,450
- Median cash to assume
- $102,491
Listings by locked rate
- Under 4%98 homes
- 4% – 5%28 homes
- 5% – 6%13 homes
- 6% and up91 homes
Listings by loan type
- FHA149 homesmedian 4.90%
- VA83 homesmedian 3.97%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by North Dakota ZIP code
- 58801
36 assumable homes · median 5.76%
median $375,000
- 58104
18 assumable homes · median 3.85%
median $375,000
- 58601
18 assumable homes · median 6.19%
median $320,000
- 58078
16 assumable homes · median 4.07%
median $356,450
- 58554
13 assumable homes · median 6.50%
median $350,000
- 58103
12 assumable homes · median 4.63%
median $272,000
- 58504
12 assumable homes · median 4.05%
median $387,450
- 58047
11 assumable homes · median 6.58%
median $350,000
Across North Dakota
Assumable homes by North Dakota city
Run your numbers
The cost of waiting in North Dakota.
A 7.2% new loan against an assumable one at 4.30%, same balance, 30 years.
You keep every month
$486/mo
Over a year$5,826
Monthly payment, side by side
7.2% vs 4.30%
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 North Dakota
Numbers below come from current North Dakota inventory and update as listings change.
- How many assumable homes are for sale in North Dakota?
- As of September 2026, UMe tracks 232 active assumable listings in North Dakota. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in North Dakota?
- Current North Dakota inventory breaks down as FHA (149, median 4.90%) and VA (83, median 3.97%). 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 North Dakota right now?
- The lowest rate on an active North Dakota assumable listing is 2.15%, and the median across all 232 listings is 4.30%. 98 listings are under 4% and 126 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 North Dakota?
- Across current North Dakota listings, the median principal-and-interest payment on the assumable loan is $1,185 per month versus $1,685 for the same balance at today's rates, a difference of about $500 every month, or $6,004 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 North Dakota?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In North Dakota that gap is currently a median of $102,491 on a median list price of $329,450. 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 North Dakota cities have the most assumable homes?
- Right now the deepest assumable inventory in North Dakota is in Fargo (38), Williston (36), Bismarck (26), Dickinson (18), and West Fargo (16). Each city has its own page with live counts, rates, and neighborhoods, and the North Dakota map lets you search the whole state at once.
- How long does a mortgage assumption take in North Dakota?
- 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 North Dakota.
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.
