Bedford, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Bedford, New York (NY)
Search active homes in Bedford, 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 (Bedford Area · 1.64%/yr), and get quotes from lenders serving Bedford.
Assumable Mortgage Buyer ConciergeBedford, NY
Shopping for a Sub-4% Home in Bedford, NY?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Bedford, NY.
Assumable Mortgage Scenarios in Bedford & New York
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VA 3.75% AssumableSave -$5,426/mo$1,700,0006 bd · 4 ba · 4,321 sqft
208 GREENWICH ROAD
Bedford, NY 10506
1st Loan Balance$974,600
Est. Equity Gap$725,400
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$3,191/mo$899,0005 bd · 3 ba · 3,311 sqft
56 HOLMES LANE
Bedford, NY 10506
1st Loan Balance$557,700
Est. Equity Gap$341,300
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$6,097/mo$1,700,0004 bd · 4 ba · 3,988 sqft
55 OLD LOGGING ROAD
Bedford, NY 10506
1st Loan Balance$1,065,500
Est. Equity Gap$634,500
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$9,879/mo$3,095,0004 bd · 7 ba · 7,187 sqft
68 QUARRY LANE
Bedford, NY 10506
1st Loan Balance$1,774,100
Est. Equity Gap$1,320,900
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$5,559/mo$1,550,0003 bd · 3 ba · 2,880 sqft
160 LONG RIDGE ROAD
Bedford, NY 10506
1st Loan Balance$971,500
Est. Equity Gap$578,500
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$2,968/mo$849,0003 bd · 3 ba · 2,220 sqft
168 POUND RIDGE ROAD
Bedford, NY 10506
1st Loan Balance$536,100
Est. Equity Gap$312,900
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,705/mo$1,875,0004 bd · 3 ba · 5,399 sqft
11 SMITH FARM ROAD
Bedford, NY 10506
1st Loan Balance$1,638,700
Est. Equity Gap$236,300
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$9,716/mo$1,750,0004 bd · 5 ba · 4,360 sqft
110 OLIVER ROAD
Bedford, NY 10506
1st Loan Balance$355,100
Est. Equity Gap$1,394,900
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$24,351/mo$6,790,0007 bd · 9 ba · 14,066 sqft
4 COWDRAY PARK DRIVE
North Castle, NY 10504
1st Loan Balance$4,255,800
Est. Equity Gap$2,534,200
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$56,304/mo$8,750,0006 bd · 9 ba · 10,265 sqft
336 CANTITOE STREET
Bedford Hills, NY 10507
1st Loan Balance$117,900
Est. Equity Gap$8,632,100
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$7,874/mo$2,195,0004 bd · 4 ba · 3,994 sqft
230 E MIDDLE PATENT ROAD
Bedford, NY 10506
1st Loan Balance$1,375,400
Est. Equity Gap$819,600
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$1,915/mo$600,0003 bd · 2 ba · 1,950 sqft
54 HICKORY KINGDOM ROAD
Bedford, NY 10506
1st Loan Balance$344,000
Est. Equity Gap$256,000
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Bedford, NY
Which loans are assumable in Bedford, NY?
All government-insured FHA, VA, and USDA residential mortgages in Bedfordare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Bedford buyers finance the equity gap?
If a home in Bedford 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 Bedford lenders so you only bring 5%–10% down.
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