Haverstraw, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Haverstraw, New York (NY)
Search active homes in Haverstraw, 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 (Haverstraw Area · 1.64%/yr), and get quotes from lenders serving Haverstraw.
Assumable Mortgage Buyer ConciergeHaverstraw, NY
Shopping for a Sub-4% Home in Haverstraw, NY?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Haverstraw, NY.
Assumable Mortgage Scenarios in Haverstraw & New York
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VA 3.35% AssumableSave -$1,656/mo$515,0003 bd · 2 ba · 1,800 sqft
26 CRUGERS AVE
Croton-on-hudson, NY 10520
1st Loan Balance$298,000
Est. Equity Gap$217,000
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$2,039/mo$569,0003 bd · 1 ba · 949 sqft
5 SEWARD CT
Montrose, NY 10548
1st Loan Balance$356,900
Est. Equity Gap$212,100
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$4,385/mo$899,0004 bd · 2 ba · 1,970 sqft
96 LAUREL HILL RD
Croton-on-hudson, NY 10520
1st Loan Balance$316,000
Est. Equity Gap$583,000
Calculate Payment & 2nd Loan
VA 5.65% AssumableSave -$2,122/mo$925,0003 bd · 2.5 ba · 2,500 sqft
11 DEERHAUNT DR
Croton-on-hudson, NY 10520
1st Loan Balance$672,900
Est. Equity Gap$252,100
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$835/mo$235,0002 bd · 1 ba · 1,000 sqft
4 DOVE CT UNIT V
Croton-on-hudson, NY 10520
1st Loan Balance$145,700
Est. Equity Gap$89,300
Calculate Payment & 2nd Loan
VA 3.55% AssumableSave -$384/mo$119,9003 bd · 1 ba · 500 sqft
6 DOVE CT UNIT M
Croton-on-hudson, NY 10520
1st Loan Balance$73,700
Est. Equity Gap$46,200
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$3,670/mo$1,150,0004 bd · 3.5 ba · 3,764 sqft
9 SPICE HILL RD
Croton-on-hudson, NY 10520
1st Loan Balance$659,300
Est. Equity Gap$490,700
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VA 2.75% AssumableSave -$2,243/mo$699,0003 bd · 2 ba · 1,604 sqft
1 HENNING DR
Montrose, NY 10567
1st Loan Balance$494,400
Est. Equity Gap$204,600
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VA 2.85% AssumableSave -$1,840/mo$415,0003 bd · 2 ba · 2,100 sqft
27 LANCASTER AVE
Montrose, NY 10548
1st Loan Balance$181,000
Est. Equity Gap$234,000
Calculate Payment & 2nd Loan
VA 5.85% AssumableSave -$1,047/mo$475,0002 bd · 1.5 ba · 1,550 sqft
139 8TH ST
Verplanck, NY 10596
1st Loan Balance$329,700
Est. Equity Gap$145,300
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$12,418/mo$3,500,0008 bd · 4 ba · 4,296 sqft
41 N RIVERSIDE AVE
Croton-on-hudson, NY 10520
1st Loan Balance$2,172,100
Est. Equity Gap$1,327,900
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$575/mo$189,5001 bd · 1 ba · 780 sqft
16 SCENIC DR UNIT K
Croton-on-hudson, NY 10520
1st Loan Balance$115,100
Est. Equity Gap$74,400
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Haverstraw, NY
Which loans are assumable in Haverstraw, NY?
All government-insured FHA, VA, and USDA residential mortgages in Haverstraware assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Haverstraw buyers finance the equity gap?
If a home in Haverstraw 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 Haverstraw lenders so you only bring 5%–10% down.
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