Mamaroneck, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Mamaroneck, New York (NY)
Search active homes in Mamaroneck, 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 (Mamaroneck Area · 1.64%/yr), and get quotes from lenders serving Mamaroneck.
Assumable Mortgage Buyer ConciergeMamaroneck, NY
Shopping for a Sub-4% Home in Mamaroneck, NY?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Mamaroneck, NY.
Assumable Mortgage Scenarios in Mamaroneck & New York
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VA 2.75% AssumableSave -$499/mo$199,0001 bd · 1 ba · 715 sqft
50 WEST ST UNIT A3A
Harrison, NY 10528
1st Loan Balance$170,600
Est. Equity Gap$28,400
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$848/mo$279,0001 bd · 1 ba · 700 sqft
50 WEST ST UNIT B1A
Harrison, NY 10528
1st Loan Balance$167,700
Est. Equity Gap$111,300
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$5,593/mo$1,559,0009 bd · 4 ba · 3,415 sqft
25 FREMONT ST
Harrison, NY 10528
1st Loan Balance$976,700
Est. Equity Gap$582,300
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$5,852/mo$1,649,0004 bd · 3.5 ba · 4,134 sqft
19 AVONDALE RD
Harrison, NY 10528
1st Loan Balance$1,023,100
Est. Equity Gap$625,900
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$5,943/mo$1,675,0004 bd · 2.5 ba · 3,388 sqft
8 PALMA DR
Harrison, NY 10528
1st Loan Balance$1,039,500
Est. Equity Gap$635,500
Calculate Payment & 2nd Loan
VA 4.90% AssumableSave -$495/mo$189,0003 bd · 1 ba · 400 sqft
240 HALSTEAD AVE UNIT AA5
Harrison, NY 10528
1st Loan Balance$62,400
Est. Equity Gap$126,600
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$4,468/mo$1,400,0004 bd · 2.5 ba · 2,614 sqft
180 BRADFORD AVE
Rye, NY 10580
1st Loan Balance$802,600
Est. Equity Gap$597,400
Calculate Payment & 2nd Loan
VA 3.95% AssumableSave -$1,630/mo$449,0003 bd · 1 ba · 1,200 sqft
6 SOUTH RD UNIT 1V
Harrison, NY 10528
1st Loan Balance$176,400
Est. Equity Gap$272,600
Calculate Payment & 2nd Loan
VA 4.85% AssumableSave -$17,876/mo$6,995,0006 bd · 7.5 ba · 11,118 sqft
383 WOODLANDS RD
Harrison, NY 10528
1st Loan Balance$2,224,900
Est. Equity Gap$4,770,100
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$7,021/mo$2,200,0005 bd · 5 ba · 6,704 sqft
6 LOVE LN
Harrison, NY 10528
1st Loan Balance$1,261,300
Est. Equity Gap$938,700
Calculate Payment & 2nd Loan
VA 3.55% AssumableSave -$935/mo$279,0001 bd · 1 ba · 800 sqft
480 HALSTEAD AVE UNIT 2J
Harrison, NY 10528
1st Loan Balance$167,300
Est. Equity Gap$111,700
Calculate Payment & 2nd Loan
FHA 5.95% AssumableSave -$1,937/mo$899,0003 bd · 2.5 ba · 1,813 sqft
16 TOP OF THE RDG UNIT A13
Mamaroneck, NY 10543
1st Loan Balance$636,900
Est. Equity Gap$262,100
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Mamaroneck, NY
Which loans are assumable in Mamaroneck, NY?
All government-insured FHA, VA, and USDA residential mortgages in Mamaroneckare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Mamaroneck buyers finance the equity gap?
If a home in Mamaroneck 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 Mamaroneck lenders so you only bring 5%–10% down.
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