Irvington, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Irvington, New York (NY)
Search active homes in Irvington, 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 (Irvington Area · 1.64%/yr), and get quotes from lenders serving Irvington.
Assumable Mortgage Buyer ConciergeIrvington, NY
Shopping for a Sub-4% Home in Irvington, NY?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Irvington, NY.
Assumable Mortgage Scenarios in Irvington & New York
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VA 3.55% AssumableSave -$31,316/mo$9,750,0008 bd · 11 ba · 11,653 sqft
2 FARGO LN
Irvington, NY 10533
1st Loan Balance$6,045,900
Est. Equity Gap$3,704,100
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$0/mo$360,0002 bd · 1 ba · 850 sqft
14 S BROADWAY UNIT 7-2B
Irvington, NY 10533
1st Loan Balance$519,100
Est. Equity Gap$0
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$5,105/mo$1,599,0003 bd · 3 ba · 2,313 sqft
27 N BUCKHOUT ST #10
Irvington, NY 10533
1st Loan Balance$916,500
Est. Equity Gap$682,500
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$5,738/mo$1,599,9995 bd · 2.5 ba · 2,852 sqft
18 S COTTENET ST
Irvington, NY 10533
1st Loan Balance$1,002,800
Est. Equity Gap$597,199
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$751/mo$235,0001 bd · 1 ba · 800 sqft
140 N BROADWAY UNIT U-4
Irvington, NY 10533
1st Loan Balance$134,600
Est. Equity Gap$100,400
Calculate Payment & 2nd Loan
VA 4.35% AssumableSave -$0/mo$250,0001 bd · 1 ba · 800 sqft
140 N BROADWAY UNIT L-4
Irvington, NY 10533
1st Loan Balance$399,000
Est. Equity Gap$0
Calculate Payment & 2nd Loan
VA 3.65% AssumableSave -$4,599/mo$1,450,0005 bd · 3 ba · 3,100 sqft
82 SYCAMORE LN
Irvington, NY 10533
1st Loan Balance$714,500
Est. Equity Gap$735,500
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$2,934/mo$818,0002 bd · 2.5 ba · 1,749 sqft
120 LOCUST LN
Irvington, NY 10533
1st Loan Balance$512,700
Est. Equity Gap$305,300
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,736/mo$899,0003 bd · 2 ba · 1,878 sqft
86 E SUNNYSIDE LN
Irvington, NY 10533
1st Loan Balance$544,000
Est. Equity Gap$355,000
Calculate Payment & 2nd Loan
VA 3.55% AssumableSave -$3,840/mo$1,195,0003 bd · 2 ba · 1,950 sqft
LOT #1 CASTLE RD
Irvington, NY 10533
1st Loan Balance$737,100
Est. Equity Gap$457,900
Calculate Payment & 2nd Loan
VA 3.65% AssumableSave -$14,496/mo$4,700,0007 bd · 7.5 ba · 7,800 sqft
1 ARDSLEY AVE E
Irvington, NY 10533
1st Loan Balance$2,624,600
Est. Equity Gap$2,075,400
Calculate Payment & 2nd Loan
VA 4.85% AssumableSave -$9,198/mo$3,600,0007 bd · 6 ba · 4,119 sqft
255 MOUNTAIN RD
Irvington, NY 10533
1st Loan Balance$1,076,700
Est. Equity Gap$2,523,300
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Irvington, NY
Which loans are assumable in Irvington, NY?
All government-insured FHA, VA, and USDA residential mortgages in Irvingtonare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Irvington buyers finance the equity gap?
If a home in Irvington 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 Irvington lenders so you only bring 5%–10% down.
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