Chester, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Chester, New York (NY)
Search active homes in Chester, 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 (Chester Area · 1.64%/yr), and get quotes from lenders serving Chester.
Assumable Mortgage Buyer ConciergeChester, NY
Shopping for a Sub-4% Home in Chester, NY?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Chester, NY.
Assumable Mortgage Scenarios in Chester & New York
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VA 2.75% AssumableSave -$15,894/mo$4,500,00018 bd · 10.5 ba · 1,843 sqft
155 ARCADIA RD
Goshen, NY 10924
1st Loan Balance$2,872,600
Est. Equity Gap$1,627,400
Calculate Payment & 2nd Loan
VA 5.75% AssumableSave -$1,129/mo$529,0003 bd · 2 ba · 2,088 sqft
225 KNOELL RD
Goshen, NY 10924
1st Loan Balance$393,300
Est. Equity Gap$135,700
Calculate Payment & 2nd Loan
USDA 2.75% AssumableSave -$8,828/mo$2,500,0006 bd · 5.5 ba · 6,090 sqft
157 ARCADIA RD
Goshen, NY 10924
1st Loan Balance$1,611,700
Est. Equity Gap$888,300
Calculate Payment & 2nd Loan
VA 5.85% AssumableSave -$1,086/mo$519,0004 bd · 2 ba · 1,932 sqft
5 WALNUT CT
Goshen, NY 10924
1st Loan Balance$373,400
Est. Equity Gap$145,600
Calculate Payment & 2nd Loan
VA 5.65% AssumableSave -$1,922/mo$879,9995 bd · 3.5 ba · 3,700 sqft
133 OLD CHESTER RD
Goshen, NY 10924
1st Loan Balance$660,600
Est. Equity Gap$219,399
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$11,169/mo$3,500,0003 bd · 3.5 ba · 2,929 sqft
165 HASBROUCK RD
Goshen, NY 10924
1st Loan Balance$2,006,600
Est. Equity Gap$1,493,400
Calculate Payment & 2nd Loan
VA 4.95% AssumableSave -$18,639/mo$2,999,99917 bd · 9.5 ba · 12,128 sqft
63-73 OLD CHESTER RD
Goshen, NY 10924
1st Loan Balance$111,300
Est. Equity Gap$2,888,699
Calculate Payment & 2nd Loan
VA 3.55% AssumableSave -$1,876/mo$599,0005 bd · 3 ba · 1,848 sqft
1 TIMBERLY DR
Goshen, NY 10924
1st Loan Balance$383,200
Est. Equity Gap$215,800
Calculate Payment & 2nd Loan
VA 5.25% AssumableSave -$11,143/mo$4,499,0006 bd · 5 ba · 3,762 sqft
349 SARAH WELLS TRL
Goshen, NY 10924
1st Loan Balance$1,096,400
Est. Equity Gap$3,402,600
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$1,522/mo$429,0003 bd · 2 ba · 1,288 sqft
22 SUNRISE HTS
Goshen, NY 10924
1st Loan Balance$266,300
Est. Equity Gap$162,700
Calculate Payment & 2nd Loan
VA 5.15% AssumableSave -$2,269/mo$899,0006 bd · 4 ba · 3,957 sqft
48 SOUTH ST
Goshen, NY 10924
1st Loan Balance$619,000
Est. Equity Gap$280,000
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$3,546/mo$999,0005 bd · 2 ba · 3,012 sqft
324 SARAH WELLS TRL
Goshen, NY 10924
1st Loan Balance$619,700
Est. Equity Gap$379,300
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Chester, NY
Which loans are assumable in Chester, NY?
All government-insured FHA, VA, and USDA residential mortgages in Chesterare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Chester buyers finance the equity gap?
If a home in Chester 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 Chester lenders so you only bring 5%–10% down.
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