Monsey, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Monsey, New York (NY)
Search active homes in Monsey, 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 (Monsey Area · 1.64%/yr), and get quotes from lenders serving Monsey.
Assumable Mortgage Buyer ConciergeMonsey, 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 Monsey, NY.
Assumable Mortgage Scenarios in Monsey & New York
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VA 3.75% AssumableSave -$7,660/mo$2,400,0008 bd · 4.5 ba · 4,088 sqft
306 S GRANDVIEW AVE
Monsey, NY 10952
1st Loan Balance$1,375,900
Est. Equity Gap$1,024,100
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$6,388/mo$1,800,0009 bd · 4.5 ba · 3,250 sqft
17 CAMEO RIDGE RD
Monsey, NY 10952
1st Loan Balance$1,111,600
Est. Equity Gap$688,400
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$13,868/mo$2,250,0009 bd · 5.5 ba · 5,057 sqft
9 CAMEO RIDGE RD
Monsey, NY 10952
1st Loan Balance$140,100
Est. Equity Gap$2,109,900
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$8,868/mo$2,499,0008 bd · 3.5 ba · 4,100 sqft
42 BLAUVELT RD
Monsey, NY 10952
1st Loan Balance$1,550,600
Est. Equity Gap$948,400
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$2,508/mo$699,0003 bd · 2 ba · 1,250 sqft
61 BLAUVELT RD #102
Monsey, NY 10952
1st Loan Balance$437,900
Est. Equity Gap$261,100
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$12,230/mo$1,999,0005 bd · 2.5 ba · 2,476 sqft
29 CAMEO RIDGE RD
Monsey, NY 10952
1st Loan Balance$140,100
Est. Equity Gap$1,858,900
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$17,591/mo$2,999,0004 bd · 3 ba · 3,602 sqft
71 MAIN ST
Monsey, NY 10952
1st Loan Balance$333,400
Est. Equity Gap$2,665,600
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$10,113/mo$2,850,0009 bd · 6 ba · 4,959 sqft
29 ALBERT DR
Monsey, NY 10952
1st Loan Balance$1,768,700
Est. Equity Gap$1,081,300
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$2,511/mo$700,0005 bd · 3 ba · 2,768 sqft
182 BLAUVELT RD
Monsey, NY 10952
1st Loan Balance$343,900
Est. Equity Gap$356,100
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$526/mo$165,0001 bd · 1 ba · 820 sqft
5 SECORA UNIT F2
Monsey, NY 10952
1st Loan Balance$94,800
Est. Equity Gap$70,200
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$7,677/mo$1,299,0007 bd · 4.5 ba · 2,460 sqft
191 BLAUVELT RD #301
Monsey, NY 10952
1st Loan Balance$131,300
Est. Equity Gap$1,167,700
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$4,610/mo$1,299,0005 bd · 3.5 ba · 2,875 sqft
1 HOPAL LN #203
Monsey, NY 10952
1st Loan Balance$805,900
Est. Equity Gap$493,100
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Monsey, NY
Which loans are assumable in Monsey, NY?
All government-insured FHA, VA, and USDA residential mortgages in Monseyare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Monsey buyers finance the equity gap?
If a home in Monsey 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 Monsey lenders so you only bring 5%–10% down.
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