Port Chester, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Port Chester, New York (NY)
Search active homes in Port Chester, 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 (Port Chester Area · 1.64%/yr), and get quotes from lenders serving Port Chester.
Assumable Mortgage Buyer ConciergePort Chester, NY
Shopping for a Sub-4% Home in Port Chester, NY?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Port Chester, NY.
Assumable Mortgage Scenarios in Port Chester & New York
View All Live Listings in Port Chester, NY →
VA 3.75% AssumableSave -$2,471/mo$815,0004 bd · 2 ba · 1,440 sqft
551 KING STREET
Port Chester, NY 10573
1st Loan Balance$489,700
Est. Equity Gap$325,300
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$2,163/mo$609,0003 bd · 2 ba · 1,237 sqft
552 WILLETT AVENUE
Port Chester, NY 10573
1st Loan Balance$377,500
Est. Equity Gap$231,500
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$2,942/mo$778,0003 bd · 2 ba · 1,871 sqft
417 KING STREET
Port Chester, NY 10573
1st Loan Balance$455,300
Est. Equity Gap$322,700
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$1,586/mo$447,0003 bd · 2 ba · 6,400 sqft
27 FOX ISLAND ROAD
Port Chester, NY 10573
1st Loan Balance$277,500
Est. Equity Gap$169,500
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$2,764/mo$779,0003 bd · 2 ba · 1,496 sqft
59 ADAMS AVENUE
Port Chester, NY 10573
1st Loan Balance$437,000
Est. Equity Gap$342,000
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$2,616/mo$790,0004 bd · 2 ba · 2,211 sqft
20 GRACE CHURCH STREET
Port Chester, NY 10573
1st Loan Balance$541,400
Est. Equity Gap$248,600
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$1,117/mo$350,0003 bd · 2 ba · 1,353 sqft
325 KING STREET #3I
Port Chester, NY 10573
1st Loan Balance$200,700
Est. Equity Gap$149,300
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$3,226/mo$899,0004 bd · 2 ba · 2,088 sqft
84 DAVENPORT AVENUE
Port Chester, NY 10573
1st Loan Balance$563,200
Est. Equity Gap$335,800
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$1,131/mo$319,0003 bd · 1 ba · 939 sqft
1 LANDMARK SQUARE #203
Port Chester, NY 10573
1st Loan Balance$198,200
Est. Equity Gap$120,800
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,633/mo$825,0003 bd · 3 ba · 2,099 sqft
24 WESLEY AVENUE
Port Chester, NY 10573
1st Loan Balance$473,000
Est. Equity Gap$352,000
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$641/mo$179,0001 bd · 1 ba · 800 sqft
377 WESTCHESTER AVENUE #4F
Port Chester, NY 10573
1st Loan Balance$112,300
Est. Equity Gap$66,700
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$218/mo$315,0003 bd · 1 ba · 720 sqft
1 LANDMARK SQUARE #413
Port Chester, NY 10573
1st Loan Balance$316,100
Est. Equity Gap$0
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Port Chester, NY
Which loans are assumable in Port Chester, NY?
All government-insured FHA, VA, and USDA residential mortgages in Port Chesterare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Port Chester buyers finance the equity gap?
If a home in Port Chester 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 Port Chester lenders so you only bring 5%–10% down.
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