Brewster, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Brewster, New York (NY)
Search active homes in Brewster, 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 (Brewster Area · 1.64%/yr), and get quotes from lenders serving Brewster.
Assumable Mortgage Buyer ConciergeBrewster, NY
Shopping for a Sub-4% Home in Brewster, NY?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Brewster, NY.
Assumable Mortgage Scenarios in Brewster & New York
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VA 4.45% AssumableSave -$1,414/mo$499,9993 bd · 3 ba · 1,885 sqft
471 TONETTA LAKE RD
Brewster, NY 10509
1st Loan Balance$219,700
Est. Equity Gap$280,299
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$4,895/mo$899,0005 bd · 4.5 ba · 2,970 sqft
1300-1302 ROUTE 22
Brewster, NY 10509
1st Loan Balance$202,600
Est. Equity Gap$696,400
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$1,436/mo$450,0002 bd · 1 ba · 1,162 sqft
47 TONETTA LAKE WAY
Brewster, NY 10509
1st Loan Balance$258,000
Est. Equity Gap$192,000
Calculate Payment & 2nd Loan
VA 3.95% AssumableSave -$1,219/mo$399,9001 bd · 1.5 ba · 1,452 sqft
49 HICKORY DR
Brewster, NY 10509
1st Loan Balance$189,400
Est. Equity Gap$210,500
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$1,899/mo$535,0003 bd · 2 ba · 1,954 sqft
3 NANCY LN
Brewster, NY 10509
1st Loan Balance$331,800
Est. Equity Gap$203,200
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$1,901/mo$700,0003 bd · 2 ba · 1,950 sqft
1553 22 RTE
Brewster, NY 10509
1st Loan Balance$458,600
Est. Equity Gap$241,400
Calculate Payment & 2nd Loan
VA 3.35% AssumableSave -$1,893/mo$590,0004 bd · 2.5 ba · 1,770 sqft
46 HUBBARD DR
Brewster, NY 10509
1st Loan Balance$339,900
Est. Equity Gap$250,100
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$5,585/mo$1,750,0003 bd · 3 ba · 3,312 sqft
118 SCENIC RIDGE DR
Brewster, NY 10509
1st Loan Balance$1,003,300
Est. Equity Gap$746,700
Calculate Payment & 2nd Loan
VA 4.25% AssumableSave -$1,457/mo$500,0003 bd · 2 ba · 1,696 sqft
19 TURK HILL RD
Brewster, NY 10509
1st Loan Balance$307,200
Est. Equity Gap$192,800
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$1,366/mo$385,0005 bd · 2 ba · 2,926 sqft
74 SODOM RD
Brewster, NY 10509
1st Loan Balance$238,800
Est. Equity Gap$146,200
Calculate Payment & 2nd Loan
FHA 3.85% AssumableSave -$848/mo$275,0001 bd · 1 ba · 1,080 sqft
501 VILLAGE DR
Brewster, NY 10509
1st Loan Balance$147,900
Est. Equity Gap$127,100
Calculate Payment & 2nd Loan
VA 4.25% AssumableSave -$1,237/mo$439,0002 bd · 2.5 ba · 1,928 sqft
2606 VILLAGE DR
Brewster, NY 10509
1st Loan Balance$273,100
Est. Equity Gap$165,900
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Brewster, NY
Which loans are assumable in Brewster, NY?
All government-insured FHA, VA, and USDA residential mortgages in Brewsterare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Brewster buyers finance the equity gap?
If a home in Brewster 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 Brewster lenders so you only bring 5%–10% down.
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