2.80% VA
$210,000
$756/mo
1430 11th Street
Fargo, ND
3 bd2 ba1,528 sqft
Reiles Acres, North Dakota
Keep the rate.
Buy the home in Reiles Acres.
Assumable mortgages let you take over a seller’s existing low-rate loan instead of financing at today’s 7.2%. These are the ones we’ve verified in Reiles Acres.
Avg. assumable rate
2.84%
vs 7.2% market
$937/mo saved
Average locked rate
2.84%
Across 6 assumable listings
Typical monthly savings
$937
On a $440,633 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in Reiles Acres
Homes with a rate worth keeping
2.84% VA
$389,900
$1,404/mo
4312 10th Street
Moorhead, MN
4 bd4 ba2,649 sqft
2.87% VA
$270,000
$997/mo
5509 44th Avenue
Fargo, ND
3 bd2 ba2,056 sqft
2.88% VA
$1,099,000
$3,586/mo
6090 Wildflower Drive
Fargo, ND
7 bd4 ba4,915 sqft
2.98% FHA
$265,000
$964/mo
1637 8th Avenue
Fargo, ND
6 bd3 ba3,032 sqft
2.65% VA
$409,900
$1,257/mo
3902 6TH Street
Moorhead, MN
3 bd3 ba2,292 sqft
Nearby markets
More assumable homes in North Dakota
- Fargo38
- Williston35
- Bismarck26
- Dickinson18
- West Fargo16
- Mandan13
- Horace12
- Watford City11
- Jamestown9
- Minot5
- Casselton4
- Hazen4
- New Salem3
- Valley City3
- Wahpeton3
- Arnegard2
- Arthur2
- Beulah2
- Fingal2
- Lincoln2
- Lisbon2
- Belfield1
- Bowbells1
- Crosby1
Run your numbers
The cost of waiting in Reiles Acres.
A 7.2% new loan against an assumable one at 2.84%, same balance, 30 years.
You keep every month
$935/mo
Over a year$11,226
Monthly payment, side by side
7.2% vs 2.84%
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 Reiles Acres
Numbers below come from current Reiles Acres inventory and update as listings change.
- Are there assumable homes for sale in Reiles Acres?
- As of September 2026, there are no verified assumable listings in Reiles Acres. New assumable homes appear every week across North Dakota; save a search on the map and we will email you when one lands in Reiles Acres.
- What types of loans can be assumed in Reiles Acres?
- FHA, VA, and USDA mortgages are assumable by law and make up nearly all assumable listings in North Dakota. Conventional loans usually include a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan.
- How long does a mortgage assumption take in Reiles Acres?
- 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 Reiles Acres.
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.
