Eastchester, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Eastchester, New York (NY)
Search active homes in Eastchester, 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 (Eastchester Area · 1.64%/yr), and get quotes from lenders serving Eastchester.
Assumable Mortgage Buyer ConciergeEastchester, NY
Shopping for a Sub-4% Home in Eastchester, NY?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Eastchester, NY.
Assumable Mortgage Scenarios in Eastchester & New York
View All Live Listings in Eastchester, NY →
VA 3.35% AssumableSave -$9,206/mo$2,795,0005 bd · 2 ba · 3,500 sqft
6 COTSWOLD WAY
Scarsdale, NY 10583
1st Loan Balance$1,550,700
Est. Equity Gap$1,244,300
Calculate Payment & 2nd Loan
VA 4.25% AssumableSave -$916/mo$325,0001 bd · 1 ba · 905 sqft
2 FOUNTAIN LN UNIT 1L
Scarsdale, NY 10583
1st Loan Balance$207,000
Est. Equity Gap$118,000
Calculate Payment & 2nd Loan
VA 5.15% AssumableSave -$4,021/mo$1,595,0005 bd · 3.5 ba · 3,318 sqft
3 NORWOOD RD
Scarsdale, NY 10583
1st Loan Balance$1,093,900
Est. Equity Gap$501,100
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$1,834/mo$575,0003 bd · 2 ba · 1,950 sqft
16 CASTLE WALK
Scarsdale, NY 10583
1st Loan Balance$329,700
Est. Equity Gap$245,300
Calculate Payment & 2nd Loan
VA 4.35% AssumableSave -$13,889/mo$4,995,0008 bd · 7 ba · 14,763 sqft
2 HIGH POINT TER
Scarsdale, NY 10583
1st Loan Balance$3,449,100
Est. Equity Gap$1,545,900
Calculate Payment & 2nd Loan
VA 3.85% AssumableSave -$4,135/mo$1,339,0004 bd · 3.5 ba · 1,808 sqft
314 FORT HILL RD
Scarsdale, NY 10583
1st Loan Balance$711,900
Est. Equity Gap$627,100
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$3,745/mo$1,085,0003 bd · 2.5 ba · 2,200 sqft
68 MT JOY AVE
Scarsdale, NY 10583
1st Loan Balance$706,100
Est. Equity Gap$378,900
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$3,869/mo$1,079,0003 bd · 2.5 ba · 2,013 sqft
2 LONGVIEW DR
Scarsdale, NY 10583
1st Loan Balance$676,400
Est. Equity Gap$402,600
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$8,272/mo$2,395,0006 bd · 3.5 ba · 5,500 sqft
46 SPRAIN VALLEY RD
Scarsdale, NY 10583
1st Loan Balance$1,561,100
Est. Equity Gap$833,900
Calculate Payment & 2nd Loan
VA 4.25% AssumableSave -$1,304/mo$447,0002 bd · 2 ba · 1,250 sqft
11 SENTRY PL UNIT 1D
Scarsdale, NY 10583
1st Loan Balance$204,000
Est. Equity Gap$243,000
Calculate Payment & 2nd Loan
VA 3.35% AssumableSave -$4,496/mo$1,400,0004 bd · 3 ba · 1,855 sqft
594 FORT HILL RD
Scarsdale, NY 10583
1st Loan Balance$675,300
Est. Equity Gap$724,700
Calculate Payment & 2nd Loan
VA 3.55% AssumableSave -$865/mo$269,0001 bd · 1 ba · 800 sqft
9 SENTRY PL UNIT 2C
Scarsdale, NY 10583
1st Loan Balance$165,800
Est. Equity Gap$103,200
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Eastchester, NY
Which loans are assumable in Eastchester, NY?
All government-insured FHA, VA, and USDA residential mortgages in Eastchesterare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Eastchester buyers finance the equity gap?
If a home in Eastchester 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 Eastchester lenders so you only bring 5%–10% down.
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