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Assumable homes for sale in South Dakota

200 homesFHA & VA loansrates from 2.20% vs 7.32% today

South Dakota assumption guide
721 Labree Avenue, Thief River Falls, MN, 56701 — assumable FHA mortgage at 2.78%
FHATop pick
Active
60
$189,900$8,192 equity gap
Rate
2.78%
7.32%today
Payment
$841/mo
$1,410today
  • 4beds
  • 2baths
  • 2,468sqft

721 Labree Avenue, Thief River Falls

1992 Great Bend Boulevard, Windom, MN, 56101 — assumable VA mortgage at 2.87%
VATop pick
Active
29
$269,000$24,535 equity gap
Rate
2.87%
7.32%today
Payment
$1,140/mo
$1,889today
  • 3beds
  • 2baths
  • 1,596sqft

1992 Great Bend Boulevard, Windom

121 5th Street, Montevideo, MN, 56265 — assumable FHA mortgage at 2.88%
FHA
Active
35
$229,000$45,339 equity gap
Rate
2.88%
7.32%today
Payment
$856/mo
$1,416today
  • 4beds
  • 3baths
  • 2,791sqft

121 5th Street, Montevideo

1849 29th Street Circle, Moorhead, MN, 56560 — assumable FHA mortgage at 2.94%
FHA
Active
42
$260,000$45,874 equity gap
Rate
2.94%
7.32%today
Payment
$1,035/mo
$1,699today
  • 4beds
  • 3baths
  • 2,284sqft

1849 29th Street Circle, Moorhead

16297 360th Avenue, Frazee, MN, 56544 — assumable FHA mortgage at 2.96%
FHA
Active
43
$319,900$63,146 equity gap
Rate
2.96%
7.32%today
Payment
$1,215/mo
$1,990today
  • 4beds
  • 2baths
  • 2,908sqft

16297 360th Avenue, Frazee

1630 11 Avenue, Fargo, ND, 58103 — assumable VA mortgage at 2.97%
VA
Active
29
$200,000$35,115 equity gap
Rate
2.97%
7.32%today
Payment
$785/mo
$1,283today
  • 4beds
  • 3baths
  • 1,914sqft

1630 11 Avenue, Fargo

300 State Street, Belle Plaine, MN, 56011 — assumable VA mortgage at 2.98%
VA
Active
33
$235,000$21,343 equity gap
Rate
2.98%
7.32%today
Payment
$1,011/mo
$1,651today
  • 4beds
  • 2baths
  • 1,354sqft

300 State Street, Belle Plaine

280 Colfax Avenue, Hector, MN, 55342 — assumable FHA mortgage at 2.99%
FHA
Active
34
$260,000$42,494 equity gap
Rate
2.99%
7.32%today
Payment
$1,021/mo
$1,666today
  • 5beds
  • 4baths
  • 2,582sqft

280 Colfax Avenue, Hector

807 20th Street, Williston, ND, 58801 — assumable VA mortgage at 3.10%
VA
Active
27
$310,000$23,883 equity gap
Rate
3.10%
7.32%today
Payment
$1,357/mo
$2,183today
  • 4beds
  • 2baths
  • 2,544sqft

807 20th Street, Williston

4998 Kama Lane, Albertville, MN, 55301 — assumable VA mortgage at 3.10%
VA
Active
32
$419,000$72,328 equity gap
Rate
3.10%
7.32%today
Payment
$1,644/mo
$2,645today
  • 4beds
  • 4baths
  • 2,630sqft

4998 Kama Lane, Albertville

210 Euclid Avenue, Big Lake, MN, 55309 — assumable FHA mortgage at 3.76%
FHA
Active
27
$235,000$5,843 equity gap
Rate
3.76%
7.32%today
Payment
$1,161/mo
$1,720today
  • 4beds
  • 1baths
  • 1,232sqft

210 Euclid Avenue, Big Lake

18512 568th Avenue, Mankato, MN, 56001 — assumable VA mortgage at 2.67%
VA
Active
79
$549,900$141,466 equity gap
Rate
2.67%
7.32%today
Payment
$1,899/mo
$3,229today
  • 4beds
  • 4baths
  • 3,396sqft

18512 568th Avenue, Mankato

9142 Woodland Drive, Saint Bonifacius, MN, 55375 — assumable FHA mortgage at 2.73%
FHA
Active
50
$510,000$145,767 equity gap
Rate
2.73%
7.32%today
Payment
$1,696/mo
$2,862today
  • 4beds
  • 4baths
  • 3,083sqft

9142 Woodland Drive, Saint Bonifacius

1790 Calgary Avenue #6, Bismarck, ND, 58503 — assumable FHA mortgage at 2.78%
FHA
Active
24
$249,900$67,322 equity gap
Rate
2.78%
7.32%today
Payment
$845/mo
$1,416today
  • 2beds
  • 2baths
  • 1,204sqft

1790 Calgary Avenue #6, Bismarck

1426 23rd Street, Fargo, ND, 58103 — assumable FHA mortgage at 2.81%
FHA
Active
58
$399,900$114,623 equity gap
Rate
2.81%
7.32%today
Payment
$1,337/mo
$2,233today
  • 4beds
  • 4baths
  • 2,708sqft

1426 23rd Street, Fargo

10288 Kali Avenue, Albertville, MN, 55301 — assumable VA mortgage at 2.81%
VA
Active
40
$455,000$96,661 equity gap
Rate
2.81%
7.32%today
Payment
$1,684/mo
$2,811today
  • 4beds
  • 3baths
  • 3,007sqft

10288 Kali Avenue, Albertville

4131 75th Street, Pennock, MN, 56279 — assumable VA mortgage at 2.84%
VA
Active
37
$365,000$75,144 equity gap
Rate
2.84%
7.32%today
Payment
$1,344/mo
$2,236today
  • 4beds
  • 2baths
  • 2,350sqft

4131 75th Street, Pennock

1670 Peach Court, Sauk Rapids, MN, 56379 — assumable VA mortgage at 2.87%
VA
Active
34
$284,900$84,884 equity gap
Rate
2.87%
7.32%today
Payment
$933/mo
$1,546today
  • 3beds
  • 2baths
  • 1,718sqft

1670 Peach Court, Sauk Rapids

119 Norman Avenue, Foley, MN, 56329 — assumable FHA mortgage at 2.88%
FHA
Active
41
$242,500$71,002 equity gap
Rate
2.88%
7.32%today
Payment
$799/mo
$1,322today
  • 4beds
  • 3baths
  • 1,638sqft

119 Norman Avenue, Foley

612 4th Street, Walker, MN, 56484 — assumable VA mortgage at 2.88%
VA
Active
44
$369,890$91,276 equity gap
Rate
2.88%
7.32%today
Payment
$1,298/mo
$2,148today
  • 4beds
  • 3baths
  • 3,444sqft

612 4th Street, Walker

624 Montrose Boulevard, Buffalo, MN, 55313 — assumable FHA mortgage at 2.95%
FHA
Active
38
$249,900$51,964 equity gap
Rate
2.95%
7.32%today
Payment
$938/mo
$1,538today
  • 4beds
  • 3baths
  • 2,816sqft

624 Montrose Boulevard, Buffalo

908 Brenda Lee Drive, Saint Cloud, MN, 56303 — assumable VA mortgage at 2.98%
VA
Active
26
$254,900$63,063 equity gap
Rate
2.98%
7.32%today
Payment
$908/mo
$1,483today
  • 4beds
  • 2baths
  • 2,120sqft

908 Brenda Lee Drive, Saint Cloud

6567 26th Street, Fargo, ND, 58104 — assumable VA mortgage at 3.04%
VA
Active
50
$373,900$110,117 equity gap
Rate
3.04%
7.32%today
Payment
$1,265/mo
$2,050today
  • 3beds
  • 3baths
  • 1,967sqft

6567 26th Street, Fargo

407 7th Avenue, Mandan, ND, 58554 — assumable FHA mortgage at 3.05%
FHA
Active
42
$210,000$45,471 equity gap
Rate
3.05%
7.32%today
Payment
$792/mo
$1,282today
  • 3beds
  • 2baths
  • 1,806sqft

407 7th Avenue, Mandan

1614 12th Avenue, Saint Cloud, MN, 56304 — assumable FHA mortgage at 3.05%
FHA
Active
23
$233,000$47,172 equity gap
Rate
3.05%
7.32%today
Payment
$874/mo
$1,416today
  • 4beds
  • 2baths
  • 2,022sqft

1614 12th Avenue, Saint Cloud

936 Ivy Hills Road, Belle Plaine, MN, 56011 — assumable FHA mortgage at 3.55%
FHA
Active
30
$415,000$75,231 equity gap
Rate
3.55%
7.32%today
Payment
$1,686/mo
$2,563today
  • 5beds
  • 3baths
  • 2,500sqft

936 Ivy Hills Road, Belle Plaine

3105 3rd Avenue, Willmar, MN, 56201 — assumable FHA mortgage at 3.07%
FHA
Active
39
$275,000$74,842 equity gap
Rate
3.07%
7.32%today
Payment
$946/mo
$1,528today
  • 4beds
  • 2baths
  • 2,126sqft

3105 3rd Avenue, Willmar

506 4th Avenue, Valley City, ND, 58072 — assumable FHA mortgage at 3.07%
FHA
Active
41
$155,000$35,960 equity gap
Rate
3.07%
7.32%today
Payment
$564/mo
$911today
  • 5beds
  • 2baths
  • 2,207sqft

506 4th Avenue, Valley City

1617 4th Street, Mankato, MN, 56001 — assumable FHA mortgage at 3.07%
FHA
Active
40
$214,900$47,802 equity gap
Rate
3.07%
7.32%today
Payment
$792/mo
$1,278today
  • 3beds
  • 2baths
  • 1,398sqft

1617 4th Street, Mankato

305 Chatum Lane, Jordan, MN, 55352 — assumable FHA mortgage at 3.07%
FHA
Active
39
$250,000$62,986 equity gap
Rate
3.07%
7.32%today
Payment
$918/mo
$1,483today
  • 3beds
  • 2baths
  • 1,704sqft

305 Chatum Lane, Jordan

420 Freeman Avenue, Luverne, MN, 56156 — assumable FHA mortgage at 3.08%
FHA
Active
24
$229,900$65,292 equity gap
Rate
3.08%
7.32%today
Payment
$795/mo
$1,281today
  • 4beds
  • 2baths
  • 2,415sqft

420 Freeman Avenue, Luverne

10033 13th Avenue, Becker, MN, 55308 — assumable VA mortgage at 3.09%
VA
Active
58
$384,900$86,581 equity gap
Rate
3.09%
7.32%today
Payment
$1,441/mo
$2,322today
  • 4beds
  • 3baths
  • 2,692sqft

10033 13th Avenue, Becker

6533 Ponderosa Drive, Walker, MN, 56484 — assumable FHA mortgage at 3.10%
FHA
Active
28
$269,000$65,210 equity gap
Rate
3.10%
7.32%today
Payment
$964/mo
$1,551today
  • 2beds
  • 1baths
  • 1,096sqft

6533 Ponderosa Drive, Walker

316 West Street, New Ulm, MN, 56073 — assumable VA mortgage at 3.10%
VA
Active
58
$299,999$83,170 equity gap
Rate
3.10%
7.32%today
Payment
$1,030/mo
$1,658today
  • 5beds
  • 2baths
  • 1,686sqft

316 West Street, New Ulm

16491 254th Avenue, Big Lake, MN, 55309 — assumable FHA mortgage at 3.13%
FHA
Active
36
$300,000$80,476 equity gap
Rate
3.13%
7.32%today
Payment
$1,090/mo
$1,747today
  • 3beds
  • 3baths
  • 2,851sqft

16491 254th Avenue, Big Lake

7474 Lamont Avenue, Otsego, MN, 55301 — assumable FHA mortgage at 3.13%
FHA
Active
46
$399,990$105,492 equity gap
Rate
3.13%
7.32%today
Payment
$1,459/mo
$2,338today
  • 4beds
  • 4baths
  • 2,372sqft

7474 Lamont Avenue, Otsego

Assuming a mortgage in South Dakota

An assumable mortgage lets you buy the home and take over the seller’s existing FHA, VA or USDA loan—its rate, balance and remaining term included. Each listing above shows the existing rate and payment next to what the same loan would cost at today’s rates (about 7.32%), so you can see the saving before you tour.

Lowest existing rate
2.20%
Lowest existing payment
$329 /mo
Median cash to assume
$116,391
Equal Housing Opportunity

UMe is committed to and abides by the Fair Housing Act and Equal Opportunity. Listing data is refreshed daily from participating MLS feeds; existing loan terms are estimates until verified with the servicer.

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