Dobbs Ferry, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Dobbs Ferry, New York (NY)
Search active homes in Dobbs Ferry, 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 (Dobbs Ferry Area · 1.64%/yr), and get quotes from lenders serving Dobbs Ferry.
Assumable Mortgage Buyer ConciergeDobbs Ferry, NY
Shopping for a Sub-4% Home in Dobbs Ferry, NY?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Dobbs Ferry, NY.
Assumable Mortgage Scenarios in Dobbs Ferry & New York
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VA 3.75% AssumableSave -$874/mo$274,5003 bd · 2 ba · 1,950 sqft
0 ASHFORD AVE
Dobbs Ferry, NY 10522
1st Loan Balance$157,700
Est. Equity Gap$116,800
Calculate Payment & 2nd Loan
VA 5.85% AssumableSave -$4,173/mo$2,000,0003 bd · 3 ba · 3,040 sqft
12C CLINTON AVE
Dobbs Ferry, NY 10522
1st Loan Balance$1,435,200
Est. Equity Gap$564,800
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$2,688/mo$749,0003 bd · 2 ba · 1,800 sqft
47 GRANDVIEW AVE
Dobbs Ferry, NY 10522
1st Loan Balance$469,200
Est. Equity Gap$279,800
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$1,699/mo$533,0002 bd · 1 ba · 1,095 sqft
11 LIVINGSTON MNR #11
Dobbs Ferry, NY 10522
1st Loan Balance$305,800
Est. Equity Gap$227,200
Calculate Payment & 2nd Loan
VA 4.35% AssumableSave -$2,297/mo$799,0004 bd · 2 ba · 1,679 sqft
86 MAPLE ST
Dobbs Ferry, NY 10522
1st Loan Balance$537,800
Est. Equity Gap$261,200
Calculate Payment & 2nd Loan
VA 5.10% AssumableSave -$3,659/mo$1,500,0005 bd · 5 ba · 4,120 sqft
200 JUDSON AVE
Dobbs Ferry, NY 10522
1st Loan Balance$604,200
Est. Equity Gap$895,800
Calculate Payment & 2nd Loan
FHA 2.75% AssumableSave -$5,367/mo$1,496,2502 bd · 2 ba · 1,220 sqft
41 CEDAR ST #3
Dobbs Ferry, NY 10522
1st Loan Balance$937,500
Est. Equity Gap$558,750
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$6,686/mo$2,094,7502 bd · 2.5 ba · 1,706 sqft
41 CEDAR ST #10
Dobbs Ferry, NY 10522
1st Loan Balance$1,200,800
Est. Equity Gap$893,950
Calculate Payment & 2nd Loan
USDA 2.75% AssumableSave -$6,006/mo$1,674,7502 bd · 2.5 ba · 1,547 sqft
41 CEDAR ST #9
Dobbs Ferry, NY 10522
1st Loan Balance$1,049,800
Est. Equity Gap$624,950
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$8,921/mo$2,514,7502 bd · 2.5 ba · 1,424 sqft
41 CEDAR ST #15
Dobbs Ferry, NY 10522
1st Loan Balance$1,561,000
Est. Equity Gap$953,750
Calculate Payment & 2nd Loan
FHA 3.75% AssumableSave -$5,479/mo$1,716,7502 bd · 2.5 ba · 1,372 sqft
41 CEDAR ST #7
Dobbs Ferry, NY 10522
1st Loan Balance$984,200
Est. Equity Gap$732,550
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$7,729/mo$2,178,7502 bd · 2.5 ba · 1,596 sqft
41 CEDAR ST #5
Dobbs Ferry, NY 10522
1st Loan Balance$1,352,400
Est. Equity Gap$826,350
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Dobbs Ferry, NY
Which loans are assumable in Dobbs Ferry, NY?
All government-insured FHA, VA, and USDA residential mortgages in Dobbs Ferryare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Dobbs Ferry buyers finance the equity gap?
If a home in Dobbs Ferry 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 Dobbs Ferry lenders so you only bring 5%–10% down.
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