Brooklyn, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Brooklyn, New York (NY)
Search active homes in Brooklyn, 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 (Brooklyn Area · 1.64%/yr), and get quotes from lenders serving Brooklyn.
Assumable Mortgage Buyer ConciergeBrooklyn, NY
Shopping for a Sub-4% Home in Brooklyn, NY?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Brooklyn, NY.
Assumable Mortgage Scenarios in Brooklyn & New York
View All Live Listings in Brooklyn, NY →
VA 2.85% AssumableSave -$8,871/mo$2,500,0007 bd · 5 ba · 5,550 sqft
471 E 17TH ST
Brooklyn, NY 11226
1st Loan Balance$1,551,500
Est. Equity Gap$948,500
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,392/mo$749,0002 bd · 2 ba · 1,495 sqft
1404 E 52ND ST
Brooklyn, NY 11234
1st Loan Balance$429,200
Est. Equity Gap$319,800
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$2,870/mo$799,9993 bd · 2 ba · 1,872 sqft
8707 AVENUE B
Brooklyn, NY 11236
1st Loan Balance$501,400
Est. Equity Gap$298,599
Calculate Payment & 2nd Loan
VA 4.85% AssumableSave -$3,064/mo$1,199,0005 bd · 2 ba · 2,360 sqft
509 E 91ST ST
Brooklyn, NY 11236
1st Loan Balance$365,100
Est. Equity Gap$833,900
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,154/mo$675,0001 bd · 1 ba · 1,950 sqft
61 EASTERN PKWY UNIT 5G
Brooklyn, NY 11238
1st Loan Balance$341,500
Est. Equity Gap$333,500
Calculate Payment & 2nd Loan
VA 5.10% AssumableSave -$807/mo$330,0001 bd · 1 ba · 650 sqft
1170 OCEAN PKWY UNIT 11L
Brooklyn, NY 11230
1st Loan Balance$128,800
Est. Equity Gap$201,200
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$9,575/mo$3,000,0003 bd · 2 ba · 5,700 sqft
1281 BEDFORD AVE
Brooklyn, NY 11216
1st Loan Balance$1,719,900
Est. Equity Gap$1,280,100
Calculate Payment & 2nd Loan
VA 5.95% AssumableSave -$2,422/mo$1,125,0006 bd · 4 ba · 2,500 sqft
9417 AVENUE B
Brooklyn, NY 11236
1st Loan Balance$796,300
Est. Equity Gap$328,700
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$28,386/mo$8,000,00036 bd · 9 ba · 14,200 sqft
176 PROSPECT PARK W
Brooklyn, NY 11215
1st Loan Balance$4,964,700
Est. Equity Gap$3,035,300
Calculate Payment & 2nd Loan
FHA 3.75% AssumableSave -$3,189/mo$999,0003 bd · 1.5 ba · 2,086 sqft
639 E 26TH ST
Brooklyn, NY 11210
1st Loan Balance$572,500
Est. Equity Gap$426,500
Calculate Payment & 2nd Loan
FHA 2.75% AssumableSave -$1,790/mo$499,0001 bd · 1 ba · 487 sqft
593 E 17TH ST UNIT 2B
Brooklyn, NY 11226
1st Loan Balance$312,500
Est. Equity Gap$186,500
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,424/mo$759,0001 bd · 1 ba · 1,950 sqft
25 PARADE PL UNIT 1-F
Brooklyn, NY 11226
1st Loan Balance$434,800
Est. Equity Gap$324,200
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Brooklyn, NY
Which loans are assumable in Brooklyn, NY?
All government-insured FHA, VA, and USDA residential mortgages in Brooklynare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Brooklyn buyers finance the equity gap?
If a home in Brooklyn 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 Brooklyn lenders so you only bring 5%–10% down.
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