Orangetown, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Orangetown, New York (NY)
Search active homes in Orangetown, 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 (Orangetown Area · 1.64%/yr), and get quotes from lenders serving Orangetown.
Assumable Mortgage Buyer ConciergeOrangetown, NY
Shopping for a Sub-4% Home in Orangetown, NY?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Orangetown, NY.
Assumable Mortgage Scenarios in Orangetown & New York
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VA 2.85% AssumableSave -$2,128/mo$599,9993 bd · 1.5 ba · 1,580 sqft
11 WARD DR
Nyack, NY 10960
1st Loan Balance$372,400
Est. Equity Gap$227,599
Calculate Payment & 2nd Loan
VA 4.90% AssumableSave -$1,649/mo$625,0003 bd · 2 ba · 1,200 sqft
3 WARD DR
Nyack, NY 10960
1st Loan Balance$205,600
Est. Equity Gap$419,400
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$2,246/mo$650,0004 bd · 2 ba · 2,276 sqft
14 DICKINSON AVE
Nyack, NY 10960
1st Loan Balance$425,700
Est. Equity Gap$224,300
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$2,564/mo$715,0004 bd · 4 ba · 2,200 sqft
12 E WHEELER PL E
West Nyack, NY 10994
1st Loan Balance$448,300
Est. Equity Gap$266,700
Calculate Payment & 2nd Loan
VA 5.95% AssumableSave -$1,276/mo$625,0003 bd · 2 ba · 1,950 sqft
45 ROUTE 59
Nyack, NY 10960
1st Loan Balance$453,700
Est. Equity Gap$171,300
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,680/mo$840,0004 bd · 3 ba · 2,213 sqft
4 HAMPSHIRE CT
West Nyack, NY 10994
1st Loan Balance$481,700
Est. Equity Gap$358,300
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$3,390/mo$650,0004 bd · 2.5 ba · 2,180 sqft
30 N STRAWBERRY HILL LN N
West Nyack, NY 10994
1st Loan Balance$177,600
Est. Equity Gap$472,400
Calculate Payment & 2nd Loan
VA 5.75% AssumableSave -$861/mo$384,9001 bd · 1.5 ba · 1,081 sqft
962 SIERRA VISTA LN
Valley Cottage, NY 10989
1st Loan Balance$277,100
Est. Equity Gap$107,800
Calculate Payment & 2nd Loan
VA 5.85% AssumableSave -$881/mo$399,9002 bd · 1.5 ba · 1,022 sqft
969 SIERRA VISTA LN
Valley Cottage, NY 10989
1st Loan Balance$278,700
Est. Equity Gap$121,200
Calculate Payment & 2nd Loan
VA 3.55% AssumableSave -$963/mo$299,9001 bd · 1 ba · 798 sqft
931 SIERRA VISTA LN
Valley Cottage, NY 10989
1st Loan Balance$185,100
Est. Equity Gap$114,800
Calculate Payment & 2nd Loan
VA 5.15% AssumableSave -$537/mo$350,0001 bd · 1 ba · 1,022 sqft
425 SIERRA VISTA LN
Valley Cottage, NY 10989
1st Loan Balance$300,100
Est. Equity Gap$49,900
Calculate Payment & 2nd Loan
VA 3.85% AssumableSave -$1,051/mo$350,0001 bd · 1 ba · 794 sqft
164 SIERRA VISTA LN
Valley Cottage, NY 10989
1st Loan Balance$191,300
Est. Equity Gap$158,700
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Orangetown, NY
Which loans are assumable in Orangetown, NY?
All government-insured FHA, VA, and USDA residential mortgages in Orangetownare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Orangetown buyers finance the equity gap?
If a home in Orangetown 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 Orangetown lenders so you only bring 5%–10% down.
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