Monroe, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Monroe, New York (NY)
Search active homes in Monroe, 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 (Monroe Area · 1.64%/yr), and get quotes from lenders serving Monroe.
Assumable Mortgage Buyer ConciergeMonroe, NY
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Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Monroe, NY.
Assumable Mortgage Scenarios in Monroe & New York
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VA 5.95% AssumableSave -$841/mo$389,9993 bd · 2 ba · 1,950 sqft
304 ROUND LAKE TER
Monroe, NY 10950
1st Loan Balance$71,300
Est. Equity Gap$318,699
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$2,548/mo$595,0004 bd · 2.5 ba · 2,016 sqft
4 LETTS CIR
Monroe, NY 10950
1st Loan Balance$299,900
Est. Equity Gap$295,100
Calculate Payment & 2nd Loan
VA 3.35% AssumableSave -$2,307/mo$700,0004 bd · 2.5 ba · 2,944 sqft
87 SUMMIT ST
Monroe, NY 10950
1st Loan Balance$327,700
Est. Equity Gap$372,300
Calculate Payment & 2nd Loan
VA 3.55% AssumableSave -$3,133/mo$975,0004 bd · 4.5 ba · 4,044 sqft
47 DEANGELIS DR
Monroe, NY 10950
1st Loan Balance$605,900
Est. Equity Gap$369,100
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$3,922/mo$899,0005 bd · 3.5 ba · 4,044 sqft
5 GLENEAGLES CT
Monroe, NY 10950
1st Loan Balance$335,300
Est. Equity Gap$563,700
Calculate Payment & 2nd Loan
VA 4.90% AssumableSave -$0/mo$375,0002 bd · 1 ba · 616 sqft
24 ROUND LAKE AVE
Monroe, NY 10950
1st Loan Balance$348,600
Est. Equity Gap$26,400
Calculate Payment & 2nd Loan
VA 5.15% AssumableSave -$2,996/mo$849,0004 bd · 4.5 ba · 3,510 sqft
208 OAKLAND AVE
Monroe, NY 10950
1st Loan Balance$222,700
Est. Equity Gap$626,300
Calculate Payment & 2nd Loan
VA 4.25% AssumableSave -$2,683/mo$950,0004 bd · 3 ba · 3,133 sqft
12 CALLAWAY DR
Monroe, NY 10950
1st Loan Balance$594,200
Est. Equity Gap$355,800
Calculate Payment & 2nd Loan
VA 3.55% AssumableSave -$2,110/mo$675,0004 bd · 2.5 ba · 2,512 sqft
10 VILLAGE GATE WAY
Monroe, NY 10950
1st Loan Balance$428,500
Est. Equity Gap$246,500
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$1,551/mo$485,9995 bd · 2 ba · 1,708 sqft
609 STAGE RD
Monroe, NY 10950
1st Loan Balance$278,700
Est. Equity Gap$207,299
Calculate Payment & 2nd Loan
FHA 2.85% AssumableSave -$1,903/mo$545,0004 bd · 2.5 ba · 1,868 sqft
41 FORESTDALE AVE
Monroe, NY 10950
1st Loan Balance$344,800
Est. Equity Gap$200,200
Calculate Payment & 2nd Loan
VA 4.25% AssumableSave -$1,269/mo$450,0004 bd · 3 ba · 1,924 sqft
22 CENTER HILL RD
Monroe, NY 10950
1st Loan Balance$285,700
Est. Equity Gap$164,300
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Monroe, NY
Which loans are assumable in Monroe, NY?
All government-insured FHA, VA, and USDA residential mortgages in Monroeare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Monroe buyers finance the equity gap?
If a home in Monroe 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 Monroe lenders so you only bring 5%–10% down.
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