Spring Valley, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Spring Valley, New York (NY)
Search active homes in Spring Valley, 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 (Spring Valley Area · 1.64%/yr), and get quotes from lenders serving Spring Valley.
Assumable Mortgage Buyer ConciergeSpring Valley, NY
Shopping for a Sub-4% Home in Spring Valley, NY?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Spring Valley, NY.
Assumable Mortgage Scenarios in Spring Valley & New York
View All Live Listings in Spring Valley, NY →
VA 3.75% AssumableSave -$3,192/mo$999,9994 bd · 2.5 ba · 2,370 sqft
18 TWIN AVE #304
Spring Valley, NY 10977
1st Loan Balance$573,300
Est. Equity Gap$426,699
Calculate Payment & 2nd Loan
VA 5.95% AssumableSave -$1,531/mo$749,0004 bd · 3 ba · 2,408 sqft
3307 PARKVIEW DR
Spring Valley, NY 10977
1st Loan Balance$544,100
Est. Equity Gap$204,900
Calculate Payment & 2nd Loan
VA 5.10% AssumableSave -$129/mo$142,0001 bd · 1.5 ba · 1,600 sqft
175 SNEDEN PL #175
Spring Valley, NY 10977
1st Loan Balance$79,600
Est. Equity Gap$62,400
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$193/mo$55,0001 bd · 1 ba · 650 sqft
34 COLUMBUS AVE UNIT B20
Spring Valley, NY 10977
1st Loan Balance$34,500
Est. Equity Gap$20,500
Calculate Payment & 2nd Loan
VA 5.15% AssumableSave -$6,299/mo$2,499,00010 bd · 5 ba · 4,609 sqft
60 N COLE AVE
Spring Valley, NY 10977
1st Loan Balance$1,721,700
Est. Equity Gap$777,300
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$449/mo$125,0001 bd · 1 ba · 900 sqft
148 SNEDEN PL W #148
Spring Valley, NY 10977
1st Loan Balance$78,300
Est. Equity Gap$46,700
Calculate Payment & 2nd Loan
VA 4.90% AssumableSave -$266/mo$104,9991 bd · 1 ba · 750 sqft
205 SNEDEN PL W #205
Spring Valley, NY 10977
1st Loan Balance$33,800
Est. Equity Gap$71,199
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$2,796/mo$735,0004 bd · 2.5 ba · 1,808 sqft
16 ELM ST #301
Spring Valley, NY 10977
1st Loan Balance$426,500
Est. Equity Gap$308,500
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$559/mo$175,0001 bd · 1.5 ba · 1,200 sqft
107 SNEDEN PL W #107
Spring Valley, NY 10977
1st Loan Balance$100,300
Est. Equity Gap$74,700
Calculate Payment & 2nd Loan
VA 4.90% AssumableSave -$317/mo$125,0001 bd · 1 ba · 700 sqft
284 SNEDEN PL W #284
Spring Valley, NY 10977
1st Loan Balance$41,600
Est. Equity Gap$83,400
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$3,928/mo$1,150,0002 bd · 2 ba · 1,950 sqft
194-196 N MAIN ST
Spring Valley, NY 10977
1st Loan Balance$742,000
Est. Equity Gap$408,000
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
Frequently Asked Questions: Assumable Loans in Spring Valley, NY
Which loans are assumable in Spring Valley, NY?
All government-insured FHA, VA, and USDA residential mortgages in Spring Valleyare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Spring Valley buyers finance the equity gap?
If a home in Spring Valley 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 Spring Valley lenders so you only bring 5%–10% down.
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