Nanuet, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Nanuet, New York (NY)
Search active homes in Nanuet, 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 (Nanuet Area · 1.64%/yr), and get quotes from lenders serving Nanuet.
Assumable Mortgage Buyer ConciergeNanuet, NY
Shopping for a Sub-4% Home in Nanuet, NY?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Nanuet, NY.
Assumable Mortgage Scenarios in Nanuet & New York
View All Live Listings in Nanuet, NY →
VA 5.25% AssumableSave -$2,350/mo$949,0005 bd · 3 ba · 2,040 sqft
3 HAZEL CT
Spring Valley, NY 10977
1st Loan Balance$234,100
Est. Equity Gap$714,900
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$4,399/mo$1,240,0004 bd · 2.5 ba · 2,655 sqft
92 SCOTLAND HILL RD
Chestnut Ridge, NY 10977
1st Loan Balance$769,700
Est. Equity Gap$470,300
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$3,032/mo$950,0005 bd · 3 ba · 2,288 sqft
11 LEVITSKY CT
Chestnut Ridge, NY 10977
1st Loan Balance$606,100
Est. Equity Gap$343,900
Calculate Payment & 2nd Loan
VA 3.55% AssumableSave -$2,561/mo$819,0005 bd · 3 ba · 2,008 sqft
29 FAIRVIEW AVE
Spring Valley, NY 10977
1st Loan Balance$517,100
Est. Equity Gap$301,900
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$3,471/mo$899,0004 bd · 1 ba · 1,694 sqft
36 DIVISION AVE
Spring Valley, NY 10977
1st Loan Balance$426,600
Est. Equity Gap$472,400
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$4,787/mo$1,500,0006 bd · 2 ba · 1,950 sqft
31-33 GEROW AVE
Spring Valley, NY 10977
1st Loan Balance$860,000
Est. Equity Gap$640,000
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$1,021/mo$539,0002 bd · 2 ba · 1,328 sqft
3 CENTRE ST
Spring Valley, NY 10977
1st Loan Balance$279,500
Est. Equity Gap$259,500
Calculate Payment & 2nd Loan
FHA 2.75% AssumableSave -$4,122/mo$1,149,0006 bd · 3 ba · 2,900 sqft
30 E CASTLE AVE #212
Spring Valley, NY 10977
1st Loan Balance$719,900
Est. Equity Gap$429,100
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$4,708/mo$1,475,0008 bd · 4.5 ba · 3,840 sqft
48 NOYES AVE #201
Spring Valley, NY 10977
1st Loan Balance$845,600
Est. Equity Gap$629,400
Calculate Payment & 2nd Loan
USDA 2.75% AssumableSave -$6,276/mo$1,750,0009 bd · 5.5 ba · 5,700 sqft
110 FAIRVIEW AVE #202
Spring Valley, NY 10977
1st Loan Balance$1,096,800
Est. Equity Gap$653,200
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$5,500/mo$1,550,0008 bd · 5.5 ba · 4,573 sqft
110 FAIRVIEW AVE #201
Spring Valley, NY 10977
1st Loan Balance$961,900
Est. Equity Gap$588,100
Calculate Payment & 2nd Loan
FHA 2.75% AssumableSave -$5,736/mo$1,599,0008 bd · 5.5 ba · 4,275 sqft
17 JAY ST #202
Spring Valley, NY 10977
1st Loan Balance$1,001,900
Est. Equity Gap$597,100
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Nanuet, NY
Which loans are assumable in Nanuet, NY?
All government-insured FHA, VA, and USDA residential mortgages in Nanuetare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Nanuet buyers finance the equity gap?
If a home in Nanuet 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 Nanuet lenders so you only bring 5%–10% down.
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