Suffern, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Suffern, New York (NY)
Search active homes in Suffern, 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 (Suffern Area · 1.64%/yr), and get quotes from lenders serving Suffern.
Assumable Mortgage Buyer ConciergeSuffern, 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 Suffern, NY.
Assumable Mortgage Scenarios in Suffern & New York
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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
VA 2.85% AssumableSave -$6,015/mo$1,695,0007 bd · 5 ba · 1,950 sqft
459-461 HAVERSTRAW RD
Suffern, NY 10901
1st Loan Balance$1,051,600
Est. Equity Gap$643,400
Calculate Payment & 2nd Loan
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 2.75% AssumableSave -$2,617/mo$730,0003 bd · 2 ba · 1,575 sqft
11 MAYER DR
Suffern, NY 10901
1st Loan Balance$457,900
Est. Equity Gap$272,100
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,551/mo$799,0004 bd · 2.5 ba · 1,843 sqft
15 RIVER RD
Suffern, NY 10901
1st Loan Balance$457,800
Est. Equity Gap$341,200
Calculate Payment & 2nd Loan
VA 3.35% AssumableSave -$5,596/mo$1,699,0006 bd · 5.5 ba · 4,369 sqft
22 GOLDEN RD
Suffern, NY 10901
1st Loan Balance$948,200
Est. Equity Gap$750,800
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$4,902/mo$930,0004 bd · 2.5 ba · 2,685 sqft
5 ASTRI CT
Suffern, NY 10901
1st Loan Balance$200,700
Est. Equity Gap$729,300
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 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 3.85% AssumableSave -$1,462/mo$650,0003 bd · 3 ba · 3,008 sqft
11 ARAPAHO
Suffern, NY 10901
1st Loan Balance$418,600
Est. Equity Gap$231,400
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,793/mo$875,0005 bd · 2 ba · 3,434 sqft
10 LINDA DR
Suffern, NY 10901
1st Loan Balance$501,600
Est. Equity Gap$373,400
Calculate Payment & 2nd Loan
FHA 4.95% AssumableSave -$3,524/mo$1,349,0005 bd · 3 ba · 4,395 sqft
19 W GATE RD
Suffern, NY 10901
1st Loan Balance$362,900
Est. Equity Gap$986,100
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Suffern, NY
Which loans are assumable in Suffern, NY?
All government-insured FHA, VA, and USDA residential mortgages in Suffernare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Suffern buyers finance the equity gap?
If a home in Suffern 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 Suffern lenders so you only bring 5%–10% down.
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