Beacon, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Beacon, New York (NY)
Search active homes in Beacon, NY with low-rate assumable FHA, VA, and USDA loans (2.25%–4.25%). Use our interactive equity gap and 2nd-loan calculator to slide your down payment, estimate local property taxes (Beacon Area · 1.64%/yr), and get quotes from lenders serving Beacon.
Assumable Mortgage Buyer ConciergeBeacon, NY
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Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Beacon, NY.
Assumable Mortgage Scenarios in Beacon & New York
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VA 3.75% AssumableSave -$2,606/mo$730,0002 bd · 1 ba · 976 sqft
167 HIGHLAND RD
Cold Spring, NY 10516
1st Loan Balance$371,100
Est. Equity Gap$358,900
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$266/mo$75,0002 bd · 1 ba · 735 sqft
3485 US 9
Cold Spring, NY 10516
1st Loan Balance$46,500
Est. Equity Gap$28,500
Calculate Payment & 2nd Loan
VA 4.25% AssumableSave -$2,041/mo$698,0002 bd · 2 ba · 1,974 sqft
10 MAGGIE MAY WAY
Cold Spring, NY 10516
1st Loan Balance$316,500
Est. Equity Gap$381,500
Calculate Payment & 2nd Loan
USDA 5.25% AssumableSave -$2,134/mo$899,0003 bd · 2.5 ba · 2,234 sqft
23 PERK AND SONS CT
Cold Spring, NY 10516
1st Loan Balance$216,400
Est. Equity Gap$682,600
Calculate Payment & 2nd Loan
VA 4.25% AssumableSave -$2,009/mo$712,0002 bd · 2 ba · 1,974 sqft
5 MAGGIE MAY WAY
Cold Spring, NY 10516
1st Loan Balance$333,400
Est. Equity Gap$378,600
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$798/mo$225,0003 bd · 2 ba · 1,950 sqft
3541 ROUTE 9
Cold Spring, NY 10516
1st Loan Balance$139,600
Est. Equity Gap$85,400
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,952/mo$925,0003 bd · 2 ba · 1,932 sqft
50 MILL RD
Cold Spring, NY 10516
1st Loan Balance$530,300
Est. Equity Gap$394,700
Calculate Payment & 2nd Loan
VA 3.35% AssumableSave -$2,833/mo$599,0003 bd · 1 ba · 1,287 sqft
4 COREY LN
Cold Spring, NY 10516
1st Loan Balance$159,700
Est. Equity Gap$439,300
Calculate Payment & 2nd Loan
USDA 2.75% AssumableSave -$484/mo$134,9002 bd · 1 ba · 500 sqft
4 TREELINE CIR #4
Cold Spring, NY 10516
1st Loan Balance$84,400
Est. Equity Gap$50,500
Calculate Payment & 2nd Loan
VA 5.65% AssumableSave -$2,185/mo$999,9994 bd · 3 ba · 4,170 sqft
24 BABBLING BROOK LN
Cold Spring, NY 10516
1st Loan Balance$748,000
Est. Equity Gap$251,999
Calculate Payment & 2nd Loan
VA 3.45% AssumableSave -$2,035/mo$625,0006 bd · 3 ba · 1,616 sqft
11 CROSS CREEK RD
Cold Spring, NY 10516
1st Loan Balance$412,200
Est. Equity Gap$212,800
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$2,823/mo$795,0005 bd · 2.5 ba · 3,044 sqft
2975 ROUTE 9
Cold Spring, NY 10516
1st Loan Balance$493,000
Est. Equity Gap$302,000
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Beacon, NY
Which loans are assumable in Beacon, NY?
All government-insured FHA, VA, and USDA residential mortgages in Beaconare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Beacon buyers finance the equity gap?
If a home in Beacon is listed at $475,000 with a $315,000 assumable balance, the equity gap is $160,000. You can either bring cash or pair the 1st mortgage with a 2nd-position loan from participating Beacon lenders so you only bring 5%–10% down.
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