Pelham, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Pelham, New York (NY)
Search active homes in Pelham, 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 (Pelham Area · 1.64%/yr), and get quotes from lenders serving Pelham.
Assumable Mortgage Buyer ConciergePelham, NY
Shopping for a Sub-4% Home in Pelham, NY?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Pelham, NY.
Assumable Mortgage Scenarios in Pelham & New York
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VA 2.85% AssumableSave -$2,129/mo$600,0003 bd · 1 ba · 1,668 sqft
644 S 6TH AVE
Mount Vernon, NY 10550
1st Loan Balance$372,400
Est. Equity Gap$227,600
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$3,545/mo$999,5003 bd · 2 ba · 11,220 sqft
3360 BOSTON RD
Bronx, NY 10469
1st Loan Balance$648,500
Est. Equity Gap$351,000
Calculate Payment & 2nd Loan
VA 5.65% AssumableSave -$1,831/mo$799,0004 bd · 3 ba · 1,782 sqft
2942 LURTING AVE
Bronx, NY 10469
1st Loan Balance$582,900
Est. Equity Gap$216,100
Calculate Payment & 2nd Loan
VA 3.95% AssumableSave -$2,363/mo$775,0003 bd · 1.5 ba · 2,100 sqft
1340 MAC DONOUGH PL
Bronx, NY 10465
1st Loan Balance$367,100
Est. Equity Gap$407,900
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$3,546/mo$999,0008 bd · 3 ba · 3,100 sqft
3423 BARKER AVE
Bronx, NY 10467
1st Loan Balance$619,700
Est. Equity Gap$379,300
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,554/mo$800,0004 bd · 2 ba · 1,640 sqft
4220 HERKIMER PL
Bronx, NY 10470
1st Loan Balance$458,600
Est. Equity Gap$341,400
Calculate Payment & 2nd Loan
VA 3.35% AssumableSave -$5,133/mo$1,599,0003 bd · 2 ba · 3,616 sqft
1715 SAINT PETERS AVE
Bronx, NY 10461
1st Loan Balance$912,800
Est. Equity Gap$686,200
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$1,434/mo$400,0002 bd · 1 ba · 814 sqft
2200 E TREMONT AVE UNIT 7A
Bronx, NY 10462
1st Loan Balance$250,700
Est. Equity Gap$149,300
Calculate Payment & 2nd Loan
VA 5.65% AssumableSave -$3,491/mo$1,599,99913 bd · 6 ba · 4,546 sqft
541 EDISON AVE
Bronx, NY 10465
1st Loan Balance$1,197,500
Est. Equity Gap$402,499
Calculate Payment & 2nd Loan
VA 4.95% AssumableSave -$1,466/mo$385,0002 bd · 1 ba · 829 sqft
26 METROPOLITAN OVAL UNIT 3F
Bronx, NY 10462
1st Loan Balance$91,700
Est. Equity Gap$293,300
Calculate Payment & 2nd Loan
VA 5.15% AssumableSave -$1,571/mo$650,0006 bd · 4 ba · 2,100 sqft
2160 BLACKROCK AVE
Bronx, NY 10472
1st Loan Balance$242,000
Est. Equity Gap$408,000
Calculate Payment & 2nd Loan
FHA 2.75% AssumableSave -$2,295/mo$650,0004 bd · 2 ba · 1,050 sqft
2573 PELHAM BAY PARK W
Bronx, NY 10475
1st Loan Balance$418,200
Est. Equity Gap$231,800
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Pelham, NY
Which loans are assumable in Pelham, NY?
All government-insured FHA, VA, and USDA residential mortgages in Pelhamare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Pelham buyers finance the equity gap?
If a home in Pelham 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 Pelham lenders so you only bring 5%–10% down.
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