Ramapo, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Ramapo, New York (NY)
Search active homes in Ramapo, 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 (Ramapo Area · 1.64%/yr), and get quotes from lenders serving Ramapo.
Assumable Mortgage Buyer ConciergeRamapo, 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 Ramapo, NY.
Assumable Mortgage Scenarios in Ramapo & New York
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VA 3.95% AssumableSave -$5,024/mo$1,649,0005 bd · 4 ba · 3,445 sqft
23 COE FARM RD
Suffern, NY 10901
1st Loan Balance$765,500
Est. Equity Gap$883,500
Calculate Payment & 2nd Loan
VA 3.35% AssumableSave -$5,455/mo$1,699,0006 bd · 5.5 ba · 4,369 sqft
22 GOLDEN RD
Suffern, NY 10901
1st Loan Balance$972,600
Est. Equity Gap$726,400
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$4,626/mo$1,449,0005 bd · 3.5 ba · 3,948 sqft
4 GOLDEN RD
Suffern, NY 10901
1st Loan Balance$830,500
Est. Equity Gap$618,500
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$3,105/mo$875,0005 bd · 2 ba · 3,434 sqft
10 LINDA DR
Suffern, NY 10901
1st Loan Balance$543,000
Est. Equity Gap$332,000
Calculate Payment & 2nd Loan
VA 5.95% AssumableSave -$3,780/mo$1,855,0006 bd · 4.5 ba · 5,776 sqft
23 CHARNWOOD DR
Suffern, NY 10901
1st Loan Balance$1,357,200
Est. Equity Gap$497,800
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$6,080/mo$1,695,0007 bd · 5 ba · 1,950 sqft
459-461 HAVERSTRAW RD
Suffern, NY 10901
1st Loan Balance$1,062,000
Est. Equity Gap$633,000
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$3,773/mo$999,0005 bd · 2.5 ba · 3,820 sqft
8 KINGS GATE RD
Suffern, NY 10901
1st Loan Balance$472,200
Est. Equity Gap$526,800
Calculate Payment & 2nd Loan
FHA 3.55% AssumableSave -$5,942/mo$1,850,0008 bd · 4.5 ba · 6,140 sqft
10 GOLDEN RD
Montebello, NY 10901
1st Loan Balance$1,133,500
Est. Equity Gap$716,500
Calculate Payment & 2nd Loan
USDA 2.75% AssumableSave -$3,227/mo$899,9004 bd · 2.5 ba · 2,219 sqft
3 CANTERBURY LN
Suffern, NY 10901
1st Loan Balance$564,100
Est. Equity Gap$335,800
Calculate Payment & 2nd Loan
FHA 5.75% AssumableSave -$7,841/mo$3,490,0009 bd · 6 ba · 4,800 sqft
131 SPOOK ROCK RD
Suffern, NY 10901
1st Loan Balance$2,503,100
Est. Equity Gap$986,900
Calculate Payment & 2nd Loan
FHA 5.10% AssumableSave -$3,560/mo$1,400,0005 bd · 4.5 ba · 3,597 sqft
89 SPOOK ROCK RD
Suffern, NY 10901
1st Loan Balance$546,400
Est. Equity Gap$853,600
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$3,194/mo$1,050,0004 bd · 2.5 ba · 2,356 sqft
15 STERLING FOREST LN
Suffern, NY 10901
1st Loan Balance$620,500
Est. Equity Gap$429,500
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Ramapo, NY
Which loans are assumable in Ramapo, NY?
All government-insured FHA, VA, and USDA residential mortgages in Ramapoare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Ramapo buyers finance the equity gap?
If a home in Ramapo 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 Ramapo lenders so you only bring 5%–10% down.
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