2.80% VA
$210,000
$756/mo
1430 11th Street
Fargo, ND
3 bd2 ba1,528 sqft
West Fargo, North Dakota
Keep the rate.
Buy the home in West Fargo.
15 assumable homes for sale in West Fargo, with locked rates from 3.04%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
3.79%
vs 7.2% market
$373/mo saved
Median locked rate
3.79%
Across 15 assumable listings
Typical monthly savings
$373
On a $343,000 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 West Fargo
Homes with a rate worth keeping
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
2.81% VA
$225,000
$735/mo
357 15th Avenue
Fargo, ND
3 bd2 ba1,166 sqft
2.81% FHA
$419,900
$1,337/mo
1426 23rd Street
Fargo, ND
4 bd4 ba2,708 sqft
Inventory snapshot
What’s assumable in West Fargo right now
Live counts from the MLS feeds we index for North Dakota. Updated September 2026.
- Active listings
- 15
- Certified / verified
- 0
- Lowest rate
- 3.04%
- Median rate
- 3.79%
- Median list price
- $343,000
- Median cash to assume
- $115,517
Listings by locked rate
- Under 4%8 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up6 homes
Listings by loan type
- FHA10 homesmedian 3.77%
- VA5 homesmedian 4.34%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by West Fargo ZIP code
Nearby markets
More assumable homes in North Dakota
- Fargo38
- Williston35
- Bismarck26
- Dickinson18
- Mandan13
- Horace12
- Watford City11
- Jamestown9
- Minot5
- Casselton4
- Hazen4
- New Salem3
- Valley City3
- Wahpeton3
- Arnegard2
- Arthur2
- Beulah2
- Fingal2
- Lincoln2
- Lisbon2
- Belfield1
- Bowbells1
- Crosby1
- Abercrombie
Run your numbers
The cost of waiting in West Fargo.
A 7.2% new loan against an assumable one at 3.79%, same balance, 30 years.
You keep every month
$589/mo
Over a year$7,068
Monthly payment, side by side
7.2% vs 3.79%
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 West Fargo
Numbers below come from current West Fargo inventory and update as listings change.
- How many assumable homes are for sale in West Fargo?
- As of September 2026, UMe tracks 15 active assumable listings in West Fargo. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in West Fargo?
- Current West Fargo inventory breaks down as FHA (10, median 3.77%) and VA (5, median 4.34%). 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 West Fargo right now?
- The lowest rate on an active West Fargo assumable listing is 3.04%, and the median across all 15 listings is 3.79%. 8 listings are under 4% and 9 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 West Fargo?
- Across current West Fargo listings, the median principal-and-interest payment on the assumable loan is $1,418 per month versus $1,790 for the same balance at today's rates, a difference of about $373 every month, or $4,471 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 West Fargo?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In West Fargo that gap is currently a median of $115,517 on a median list price of $343,000. 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 West Fargo ZIP codes have the most assumable homes?
- The West Fargo ZIP codes with the most active assumable listings are 58078 (15). 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 West Fargo?
- 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 West Fargo.
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.
