Warwick, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Warwick, New York (NY)
Search active homes in Warwick, 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 (Warwick Area · 1.64%/yr), and get quotes from lenders serving Warwick.
Assumable Mortgage Buyer ConciergeWarwick, NY
Shopping for a Sub-4% Home in Warwick, NY?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Warwick, NY.
Assumable Mortgage Scenarios in Warwick & New York
View All Live Listings in Warwick, NY →
VA 4.90% AssumableSave -$1,615/mo$549,9002 bd · 2 ba · 1,520 sqft
14 POND HILL AVE
Warwick, NY 10990
1st Loan Balance$164,400
Est. Equity Gap$385,500
Calculate Payment & 2nd Loan
VA 3.65% AssumableSave -$1,851/mo$599,0003 bd · 2.5 ba · 1,606 sqft
1 S LYNN ST
Warwick, NY 10990
1st Loan Balance$331,900
Est. Equity Gap$267,100
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$10,401/mo$2,900,0004 bd · 3 ba · 4,269 sqft
81 PINE ISLAND TPKE
Warwick, NY 10990
1st Loan Balance$1,817,600
Est. Equity Gap$1,082,400
Calculate Payment & 2nd Loan
VA 4.85% AssumableSave -$1,911/mo$719,0004 bd · 1.5 ba · 1,722 sqft
183 WEST ST
Warwick, NY 10990
1st Loan Balance$303,100
Est. Equity Gap$415,900
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$10,042/mo$2,800,0003 bd · 2 ba · 1,950 sqft
56 MAPLE AVE
Warwick, NY 10990
1st Loan Balance$1,754,900
Est. Equity Gap$1,045,100
Calculate Payment & 2nd Loan
VA 5.65% AssumableSave -$1,112/mo$510,0003 bd · 2 ba · 2,050 sqft
53 W RIDGE RD
Warwick, NY 10990
1st Loan Balance$381,900
Est. Equity Gap$128,100
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$860/mo$549,0004 bd · 2 ba · 2,400 sqft
139 PINE ISLAND TPKE
Warwick, NY 10990
1st Loan Balance$329,100
Est. Equity Gap$219,900
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$1,660/mo$468,0003 bd · 2.5 ba · 1,880 sqft
23 BRADNER DR
Warwick, NY 10990
1st Loan Balance$290,500
Est. Equity Gap$177,500
Calculate Payment & 2nd Loan
VA 5.95% AssumableSave -$3,566/mo$1,749,0004 bd · 4 ba · 5,029 sqft
37 SILO LN
Warwick, NY 10990
1st Loan Balance$334,500
Est. Equity Gap$1,414,500
Calculate Payment & 2nd Loan
VA 3.35% AssumableSave -$2,224/mo$675,0002 bd · 2.5 ba · 2,168 sqft
52 CROPSEY ST
Warwick, NY 10990
1st Loan Balance$377,800
Est. Equity Gap$297,200
Calculate Payment & 2nd Loan
VA 5.75% AssumableSave -$1,069/mo$499,9993 bd · 1 ba · 1,140 sqft
39 WOODSIDE DR
Warwick, NY 10990
1st Loan Balance$371,600
Est. Equity Gap$128,399
Calculate Payment & 2nd Loan
USDA 4.95% AssumableSave -$965/mo$385,0001 bd · 2 ba · 1,354 sqft
25 VILLAGE CV
Warwick, NY 10990
1st Loan Balance$101,900
Est. Equity Gap$283,100
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Warwick, NY
Which loans are assumable in Warwick, NY?
All government-insured FHA, VA, and USDA residential mortgages in Warwickare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Warwick buyers finance the equity gap?
If a home in Warwick 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 Warwick lenders so you only bring 5%–10% down.
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