Clarkstown, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Clarkstown, New York (NY)
Search active homes in Clarkstown, 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 (Clarkstown Area · 1.64%/yr), and get quotes from lenders serving Clarkstown.
Assumable Mortgage Buyer ConciergeClarkstown, NY
Shopping for a Sub-4% Home in Clarkstown, NY?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Clarkstown, NY.
Assumable Mortgage Scenarios in Clarkstown & New York
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VA 4.35% AssumableSave -$2,083/mo$725,0003 bd · 2 ba · 1,669 sqft
7 DOGWOOD LN
West Nyack, NY 10994
1st Loan Balance$490,000
Est. Equity Gap$235,000
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$3,308/mo$780,0004 bd · 2 ba · 2,253 sqft
211 WATERS EDGE
Valley Cottage, NY 10989
1st Loan Balance$371,500
Est. Equity Gap$408,500
Calculate Payment & 2nd Loan
VA 5.75% AssumableSave -$3,146/mo$999,0004 bd · 3 ba · 2,262 sqft
556 BABBLING BROOK LN
Valley Cottage, NY 10989
1st Loan Balance$566,700
Est. Equity Gap$432,300
Calculate Payment & 2nd Loan
VA 5.25% AssumableSave -$1,838/mo$775,0005 bd · 3 ba · 2,202 sqft
82 BRANCHVILLE RD
Valley Cottage, NY 10989
1st Loan Balance$191,400
Est. Equity Gap$583,600
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,551/mo$799,0005 bd · 3 ba · 2,266 sqft
103 WATERS EDGE
Congers, NY 10920
1st Loan Balance$457,800
Est. Equity Gap$341,200
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,815/mo$899,0006 bd · 4 ba · 1,950 sqft
275 MAPLE RD
Valley Cottage, NY 10989
1st Loan Balance$524,700
Est. Equity Gap$374,300
Calculate Payment & 2nd Loan
VA 3.85% AssumableSave -$2,063/mo$689,0004 bd · 2 ba · 2,228 sqft
550 WESTFIELD DR
Valley Cottage, NY 10989
1st Loan Balance$375,000
Est. Equity Gap$314,000
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,972/mo$950,0006 bd · 3.5 ba · 3,174 sqft
332 FULLE DR
Valley Cottage, NY 10989
1st Loan Balance$553,500
Est. Equity Gap$396,500
Calculate Payment & 2nd Loan
VA 5.75% AssumableSave -$2,777/mo$1,300,0005 bd · 3 ba · 3,758 sqft
91 WATERS EDGE
Congers, NY 10920
1st Loan Balance$955,500
Est. Equity Gap$344,500
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,839/mo$890,0004 bd · 3 ba · 3,306 sqft
19 FLOWER LN
Valley Cottage, NY 10989
1st Loan Balance$510,400
Est. Equity Gap$379,600
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$2,218/mo$625,0004 bd · 2.5 ba · 1,765 sqft
786 SEQUOIA DR
Valley Cottage, NY 10989
1st Loan Balance$387,900
Est. Equity Gap$237,100
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$2,794/mo$779,0004 bd · 2.5 ba · 2,390 sqft
101 SHETLAND DR
New City, NY 10956
1st Loan Balance$488,300
Est. Equity Gap$290,700
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Clarkstown, NY
Which loans are assumable in Clarkstown, NY?
All government-insured FHA, VA, and USDA residential mortgages in Clarkstownare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Clarkstown buyers finance the equity gap?
If a home in Clarkstown 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 Clarkstown lenders so you only bring 5%–10% down.
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