Queens, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Queens, New York (NY)
Search active homes in Queens, 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 (Queens Area · 1.64%/yr), and get quotes from lenders serving Queens.
Assumable Mortgage Buyer ConciergeQueens, NY
Shopping for a Sub-4% Home in Queens, NY?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Queens, NY.
Assumable Mortgage Scenarios in Queens & New York
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VA 3.75% AssumableSave -$0/mo$269,0001 bd · 1 ba · 700 sqft
85-15 MAIN ST UNIT 6N
Briarwood, NY 11435
1st Loan Balance$328,100
Est. Equity Gap$0
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$3,282/mo$925,0003 bd · 1.5 ba · 1,552 sqft
14831 84TH AVE
Briarwood, NY 11435
1st Loan Balance$574,000
Est. Equity Gap$351,000
Calculate Payment & 2nd Loan
VA 5.15% AssumableSave -$3,772/mo$1,495,0006 bd · 6 ba · 3,111 sqft
133-13 95TH AVE
Richmond Hill, NY 11419
1st Loan Balance$545,900
Est. Equity Gap$949,100
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,613/mo$819,0005 bd · 2 ba · 2,084 sqft
9528 VAN WYCK EXPY
Richmond Hill S., NY 11419
1st Loan Balance$469,800
Est. Equity Gap$349,200
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$3,317/mo$925,0004 bd · 2 ba · 1,513 sqft
8820 PARSONS BLVD UNIT 6E
Jamaica, NY 11432
1st Loan Balance$579,700
Est. Equity Gap$345,300
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$1,972/mo$618,0002 bd · 2 ba · 861 sqft
7548 PARSONS BLVD UNIT 1D
Fresh Meadows, NY 11366
1st Loan Balance$354,300
Est. Equity Gap$263,700
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$36/mo$299,0001 bd · 1 ba · 775 sqft
72-61 113TH ST UNIT 4P
Forest Hills, NY 11375
1st Loan Balance$399,100
Est. Equity Gap$0
Calculate Payment & 2nd Loan
VA 3.95% AssumableSave -$2,740/mo$899,0005 bd · 2 ba · 1,950 sqft
10628 154TH ST
Jamaica, NY 11433
1st Loan Balance$424,200
Est. Equity Gap$474,800
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$4,697/mo$949,0003 bd · 2 ba · 1,950 sqft
106 19 154 ST
Jamaica, NY 11433
1st Loan Balance$131,600
Est. Equity Gap$817,400
Calculate Payment & 2nd Loan
VA 3.85% AssumableSave -$3,450/mo$740,0002 bd · 2 ba · 1,950 sqft
145-51 ARLINGTON TER
Jamaica, NY 11435
1st Loan Balance$211,100
Est. Equity Gap$528,900
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$1,393/mo$403,0002 bd · 1 ba · 850 sqft
137-34 68TH DR UNIT A
Kew Garden Hills, NY 11367
1st Loan Balance$261,900
Est. Equity Gap$141,100
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$1,148/mo$359,0002 bd · 2 ba · 1,200 sqft
8900 170TH ST UNIT 12F
Jamaica, NY 11432
1st Loan Balance$205,400
Est. Equity Gap$153,600
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Queens, NY
Which loans are assumable in Queens, NY?
All government-insured FHA, VA, and USDA residential mortgages in Queensare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Queens buyers finance the equity gap?
If a home in Queens 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 Queens lenders so you only bring 5%–10% down.
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