Pearl River, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Pearl River, New York (NY)
Search active homes in Pearl River, 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 (Pearl River Area · 1.64%/yr), and get quotes from lenders serving Pearl River.
Assumable Mortgage Buyer ConciergePearl River, NY
Shopping for a Sub-4% Home in Pearl River, NY?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Pearl River, NY.
Assumable Mortgage Scenarios in Pearl River & New York
View All Live Listings in Pearl River, NY →
VA 3.35% AssumableSave -$4,115/mo$1,250,0005 bd · 2.5 ba · 2,984 sqft
23 MOUACDIE DR
Pearl River, NY 10965
1st Loan Balance$697,900
Est. Equity Gap$552,100
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$6,739/mo$1,899,0005 bd · 3 ba · 6,000 sqft
9 RONWOOD RD
Spring Valley, NY 10977
1st Loan Balance$1,178,300
Est. Equity Gap$720,700
Calculate Payment & 2nd Loan
VA 5.95% AssumableSave -$7,322/mo$1,250,0004 bd · 2.5 ba · 3,082 sqft
6 NICOLE WAY
Spring Valley, NY 10977
1st Loan Balance$135,800
Est. Equity Gap$1,114,200
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$4,447/mo$1,240,0004 bd · 2.5 ba · 2,655 sqft
92 SCOTLAND HILL RD
Chestnut Ridge, NY 10977
1st Loan Balance$777,300
Est. Equity Gap$462,700
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$1,342/mo$378,0001 bd · 1.5 ba · 1,014 sqft
292 HUBERT HUMPHREY DR
Chestnut Ridge, NY 10977
1st Loan Balance$234,400
Est. Equity Gap$143,600
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 2.75% AssumableSave -$5,380/mo$1,500,0006 bd · 2 ba · 1,950 sqft
31-33 GEROW AVE
Spring Valley, NY 10977
1st Loan Balance$940,100
Est. Equity Gap$559,900
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$3,439/mo$899,0004 bd · 1 ba · 1,694 sqft
36 DIVISION AVE
Spring Valley, NY 10977
1st Loan Balance$428,400
Est. Equity Gap$470,600
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$2,494/mo$695,0003 bd · 0.5 ba · 1,554 sqft
119 S MAIN ST UNIT B
Monsey, NY 10977
1st Loan Balance$435,200
Est. Equity Gap$259,800
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 5.75% AssumableSave -$3,360/mo$1,495,0004 bd · 2 ba · 2,394 sqft
173 OLD NYACK TPKE
Spring Valley, NY 10977
1st Loan Balance$1,079,500
Est. Equity Gap$415,500
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$3,546/mo$999,0007 bd · 3 ba · 2,456 sqft
38 SINGER AVE
Spring Valley, NY 10977
1st Loan Balance$619,700
Est. Equity Gap$379,300
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Pearl River, NY
Which loans are assumable in Pearl River, NY?
All government-insured FHA, VA, and USDA residential mortgages in Pearl Riverare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Pearl River buyers finance the equity gap?
If a home in Pearl River 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 Pearl River lenders so you only bring 5%–10% down.
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