Ossining, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Ossining, New York (NY)
Search active homes in Ossining, 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 (Ossining Area · 1.64%/yr), and get quotes from lenders serving Ossining.
Assumable Mortgage Buyer ConciergeOssining, NY
Shopping for a Sub-4% Home in Ossining, NY?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Ossining, NY.
Assumable Mortgage Scenarios in Ossining & New York
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VA 3.75% AssumableSave -$4,455/mo$1,395,0005 bd · 3.5 ba · 5,773 sqft
2054 QUAKER RIDGE RD
Croton-on-hudson, NY 10520
1st Loan Balance$799,400
Est. Equity Gap$595,600
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$12,418/mo$3,500,0006 bd · 5 ba · 7,474 sqft
2125 QUAKER RIDGE RD
Croton-on-hudson, NY 10520
1st Loan Balance$2,172,100
Est. Equity Gap$1,327,900
Calculate Payment & 2nd Loan
VA 5.50% AssumableSave -$4,368/mo$1,850,0005 bd · 3.5 ba · 4,200 sqft
28 OBSERVATORY DR
Croton-on-hudson, NY 10520
1st Loan Balance$343,600
Est. Equity Gap$1,506,400
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VA 5.95% AssumableSave -$2,857/mo$1,399,9995 bd · 5 ba · 2,410 sqft
27 HASTINGS AVE
Croton-on-hudson, NY 10520
1st Loan Balance$1,024,900
Est. Equity Gap$375,099
Calculate Payment & 2nd Loan
VA 3.55% AssumableSave -$2,033/mo$649,9994 bd · 2.5 ba · 1,700 sqft
385 YORKTOWN RD
Croton-on-hudson, NY 10520
1st Loan Balance$414,400
Est. Equity Gap$235,599
Calculate Payment & 2nd Loan
VA 4.90% AssumableSave -$3,293/mo$1,300,0004 bd · 3.5 ba · 2,900 sqft
30 ELMORE AVE
Croton-on-hudson, NY 10520
1st Loan Balance$428,900
Est. Equity Gap$871,100
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VA 5.75% AssumableSave -$1,096/mo$488,0003 bd · 2 ba · 1,950 sqft
73 MELROSE AVE
Croton-on-hudson, NY 10520
1st Loan Balance$352,600
Est. Equity Gap$135,400
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$15,596/mo$4,395,0005 bd · 8 ba · 11,130 sqft
18 BRAMBLEBUSH RD
Croton-on-hudson, NY 10520
1st Loan Balance$2,727,200
Est. Equity Gap$1,667,800
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VA 2.75% AssumableSave -$1,611/mo$449,0002 bd · 1.5 ba · 945 sqft
190 1/2 GRAND ST
Croton-on-hudson, NY 10520
1st Loan Balance$281,200
Est. Equity Gap$167,800
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VA 5.65% AssumableSave -$3,491/mo$1,600,0004 bd · 4 ba · 1,913 sqft
1200 HALF MOON BAY DR
Croton-on-hudson, NY 10520
1st Loan Balance$1,192,300
Est. Equity Gap$407,700
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$74/mo$20,0003 bd · 2 ba · 1,950 sqft
F-1 HALF MOON BAY DR
Croton-on-hudson, NY 10520
1st Loan Balance$12,200
Est. Equity Gap$7,800
Calculate Payment & 2nd Loan
VA 4.85% AssumableSave -$1,723/mo$649,0002 bd · 1 ba · 1,023 sqft
2 BAYVIEW TER
Croton-on-hudson, NY 10520
1st Loan Balance$196,100
Est. Equity Gap$452,900
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Ossining, NY
Which loans are assumable in Ossining, NY?
All government-insured FHA, VA, and USDA residential mortgages in Ossiningare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Ossining buyers finance the equity gap?
If a home in Ossining 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 Ossining lenders so you only bring 5%–10% down.
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