Gainesville, VA · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Gainesville, Virginia (VA)
Search active homes in Gainesville, VA 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 (Gainesville Area · 0.82%/yr), and get quotes from lenders serving Gainesville.
Assumable Mortgage Buyer ConciergeGainesville, VA
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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 Gainesville, VA.
Assumable Mortgage Scenarios in Gainesville & Virginia
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VA 3.75% AssumableSave -$2,872/mo$899,9003 bd · 3 ba · 3,101 sqft
7870 WOODRIDGE DR
Gainesville, VA 20155
1st Loan Balance$516,000
Est. Equity Gap$383,900
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$3,689/mo$1,040,0004 bd · 5 ba · 4,956 sqft
15195 WINDY HOLLOW CIR
Gainesville, VA 20155
1st Loan Balance$645,600
Est. Equity Gap$394,400
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$2,152/mo$599,9004 bd · 4 ba · 2,306 sqft
8906 SCREECH OWL CT
Gainesville, VA 20155
1st Loan Balance$376,000
Est. Equity Gap$223,900
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$1,323/mo$415,0003 bd · 2 ba · 1,424 sqft
7065 HERITAGE HUNT DR APT 110
Gainesville, VA 20155
1st Loan Balance$238,100
Est. Equity Gap$176,900
Calculate Payment & 2nd Loan
VA 3.63% AssumableSave -$2,461/mo$795,0004 bd · 4 ba · 4,544 sqft
14076 ALBERT WAY
Gainesville, VA 20155
1st Loan Balance$529,700
Est. Equity Gap$265,300
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$2,891/mo$815,0004 bd · 4 ba · 3,034 sqft
14066 CLATTERBUCK LOOP
Gainesville, VA 20155
1st Loan Balance$506,000
Est. Equity Gap$309,000
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$1,403/mo$440,0002 bd · 3 ba · 2,440 sqft
7947 CRESCENT PARK DR
Gainesville, VA 20155
1st Loan Balance$252,400
Est. Equity Gap$187,600
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$1,773/mo$499,9003 bd · 4 ba · 1,792 sqft
8464 TACKHOUSE LOOP
Gainesville, VA 20155
1st Loan Balance$310,300
Est. Equity Gap$189,600
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$1,434/mo$399,9902 bd · 3 ba · 1,568 sqft
7748 CEDAR BRANCH DR
Gainesville, VA 20155
1st Loan Balance$250,700
Est. Equity Gap$149,290
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,839/mo$890,0005 bd · 4 ba · 4,220 sqft
7675 ROYAL SYDNEY DR
Gainesville, VA 20155
1st Loan Balance$510,400
Est. Equity Gap$379,600
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$1,641/mo$373,9993 bd · 3 ba · 1,825 sqft
6821 HAMPTON BAY LN
Gainesville, VA 20155
1st Loan Balance$170,600
Est. Equity Gap$203,399
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$3,726/mo$1,050,0004 bd · 5 ba · 5,012 sqft
8085 CROOKED OAKS CT
Gainesville, VA 20155
1st Loan Balance$651,600
Est. Equity Gap$398,400
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Gainesville, VA
Which loans are assumable in Gainesville, VA?
All government-insured FHA, VA, and USDA residential mortgages in Gainesvilleare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Gainesville buyers finance the equity gap?
If a home in Gainesville 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 Gainesville lenders so you only bring 5%–10% down.
More Cities with Assumable Mortgages in Virginia
Virginia Beach, VAChesapeake, VANorfolk, VASuffolk, VANewport News, VAHampton, VAPortsmouth, VAWilliamsburg, VAYorktown, VAPoquoson, VASmithfield, VACarrollton, VAGloucester, VAWoodbridge, VAFredericksburg, VAStafford, VARichmond, VAChesterfield, VAAlexandria, VAArlington, VAFairfax, VAReston, VAHerndon, VAChantilly, VACentreville, VAManassas, VAGainesville, VABristow, VAHaymarket, VADumfries, VATriangle, VALorton, VASpringfield, VABurke, VAAnnandale, VAVienna, VAMcLean, VAFalls Church, VAAshburn, VASterling, VALeesburg, VAPurcellville, VAWarrenton, VACulpeper, VASpotsylvania, VAKing George, VAGlen Allen, VAHenrico, VAMidlothian, VAMoseley, VAChester, VAMechanicsville, VAAshland, VAPowhatan, VAColonial Heights, VAHopewell, VAPetersburg, VACharlottesville, VACrozet, VAWaynesboro, VAStaunton, VAHarrisonburg, VAWinchester, VAFront Royal, VARoanoke, VASalem, VALynchburg, VAForest, VABlacksburg, VAChristiansburg, VARadford, VADanville, VA
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