Manhattan, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Manhattan, New York (NY)
Search active homes in Manhattan, 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 (Manhattan Area · 1.64%/yr), and get quotes from lenders serving Manhattan.
Assumable Mortgage Buyer ConciergeManhattan, NY
Shopping for a Sub-4% Home in Manhattan, NY?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Manhattan, NY.
Assumable Mortgage Scenarios in Manhattan & New York
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VA 3.75% AssumableSave -$6,542/mo$2,050,0002 bd · 2.5 ba · 1,950 sqft
35 E 75TH ST UNIT 4B
New York, NY 10021
1st Loan Balance$1,175,300
Est. Equity Gap$874,700
Calculate Payment & 2nd Loan
VA 5.85% AssumableSave -$4,164/mo$1,995,0002 bd · 2 ba · 1,950 sqft
8 E 83RD ST UNIT 2D
New York, NY 10028
1st Loan Balance$1,435,100
Est. Equity Gap$559,900
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$9,846/mo$2,850,0002 bd · 3 ba · 1,950 sqft
860 5TH AVE UNIT 5H
New York, NY 10065
1st Loan Balance$1,884,100
Est. Equity Gap$965,900
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$10,645/mo$3,000,0003 bd · 3 ba · 1,950 sqft
155 E 76TH ST UNIT 9AB
New York, NY 10021
1st Loan Balance$1,861,800
Est. Equity Gap$1,138,200
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$2,471/mo$440,0003 bd · 1 ba · 480 sqft
201 E 83RD ST UNIT 8G
New York, NY 10028
1st Loan Balance$85,300
Est. Equity Gap$354,700
Calculate Payment & 2nd Loan
VA 5.95% AssumableSave -$1,613/mo$790,0001 bd · 1 ba · 860 sqft
315 E 70TH ST UNIT 9D
New York, NY 10021
1st Loan Balance$575,400
Est. Equity Gap$214,600
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$1,597/mo$450,0001 bd · 1 ba · 1,950 sqft
333 E 75TH ST UNIT 2-K
New York, NY 10021
1st Loan Balance$279,300
Est. Equity Gap$170,700
Calculate Payment & 2nd Loan
VA 3.85% AssumableSave -$7,087/mo$2,295,0003 bd · 2 ba · 1,031 sqft
30 W 63RD ST UNIT 10D
New York, NY 10023
1st Loan Balance$1,208,200
Est. Equity Gap$1,086,800
Calculate Payment & 2nd Loan
VA 3.65% AssumableSave -$2,314/mo$750,0002 bd · 1 ba · 1,950 sqft
235 E 87TH ST UNIT 4B
New York, NY 10128
1st Loan Balance$410,700
Est. Equity Gap$339,300
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$39,451/mo$11,000,0004 bd · 3.5 ba · 1,950 sqft
465 PARK AVE UNIT 36/37
New York, NY 10022
1st Loan Balance$6,894,200
Est. Equity Gap$4,105,800
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,837/mo$889,0001 bd · 1 ba · 643 sqft
155 W 68TH ST #924
New York, NY 10023
1st Loan Balance$509,600
Est. Equity Gap$379,400
Calculate Payment & 2nd Loan
FHA 2.75% AssumableSave -$2,508/mo$699,0002 bd · 3 ba · 1,950 sqft
3 E 84TH ST UNIT G
New York, NY 10028
1st Loan Balance$437,900
Est. Equity Gap$261,100
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Manhattan, NY
Which loans are assumable in Manhattan, NY?
All government-insured FHA, VA, and USDA residential mortgages in Manhattanare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Manhattan buyers finance the equity gap?
If a home in Manhattan 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 Manhattan lenders so you only bring 5%–10% down.
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