New York City, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in New York City, New York (NY)
Search active homes in New York City, 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 (New York City Area · 1.64%/yr), and get quotes from lenders serving New York City.
Assumable Mortgage Buyer ConciergeNew York City, NY
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Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in New York City, NY.
Assumable Mortgage Scenarios in New York City & New York
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VA 3.75% AssumableSave -$6,375/mo$1,998,0006 bd · 2 ba · 3,024 sqft
909 STERLING PL
Brooklyn, NY 11216
1st Loan Balance$1,145,800
Est. Equity Gap$852,200
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$601/mo$167,7503 bd · 1 ba · 1,950 sqft
1040 CARROLL ST UNIT 2I
Brooklyn, NY 11225
1st Loan Balance$105,300
Est. Equity Gap$62,450
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 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 2.85% AssumableSave -$5,675/mo$1,599,0003 bd · 2 ba · 1,950 sqft
945A HERKIMER
Brooklyn, NY 11233
1st Loan Balance$992,100
Est. Equity Gap$606,900
Calculate Payment & 2nd Loan
VA 5.15% AssumableSave -$4,776/mo$1,895,0006 bd · 5 ba · 2,892 sqft
1934 BERGEN ST
Brooklyn, NY 11233
1st Loan Balance$1,299,600
Est. Equity Gap$595,400
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 3.65% AssumableSave -$2,465/mo$799,0005 bd · 2 ba · 1,950 sqft
840 E 51 ST
Brooklyn, NY 11203
1st Loan Balance$443,300
Est. Equity Gap$355,700
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$10,008/mo$1,800,0008 bd · 3 ba · 2,700 sqft
435 BAINBRIDGE ST
Brooklyn, NY 11233
1st Loan Balance$370,800
Est. Equity Gap$1,429,200
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$2,395/mo$675,0001 bd · 1 ba · 1,950 sqft
61 EASTERN PKWY UNIT 5G
Brooklyn, NY 11238
1st Loan Balance$327,100
Est. Equity Gap$347,900
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
VA 5.15% AssumableSave -$6,892/mo$2,850,0009 bd · 7 ba · 3,498 sqft
154 PULASKI ST
Brooklyn, NY 11206
1st Loan Balance$1,053,700
Est. Equity Gap$1,796,300
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in New York City, NY
Which loans are assumable in New York City, NY?
All government-insured FHA, VA, and USDA residential mortgages in New York Cityare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do New York City buyers finance the equity gap?
If a home in New York City 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 New York City lenders so you only bring 5%–10% down.
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