Scarsdale, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Scarsdale, New York (NY)
Search active homes in Scarsdale, 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 (Scarsdale Area · 1.64%/yr), and get quotes from lenders serving Scarsdale.
Assumable Mortgage Buyer ConciergeScarsdale, 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 Scarsdale, NY.
Assumable Mortgage Scenarios in Scarsdale & New York
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VA 5.15% AssumableSave -$4,021/mo$1,595,0005 bd · 3.5 ba · 3,318 sqft
3 NORWOOD RD
Scarsdale, NY 10583
1st Loan Balance$1,093,900
Est. Equity Gap$501,100
Calculate Payment & 2nd Loan
VA 3.35% AssumableSave -$8,972/mo$2,795,0005 bd · 2 ba · 3,500 sqft
6 COTSWOLD WAY
Scarsdale, NY 10583
1st Loan Balance$1,590,800
Est. Equity Gap$1,204,200
Calculate Payment & 2nd Loan
VA 5.85% AssumableSave -$1,492/mo$715,0002 bd · 2 ba · 1,300 sqft
500 CENTRAL PARK AVE #212
Scarsdale, NY 10583
1st Loan Balance$509,700
Est. Equity Gap$205,300
Calculate Payment & 2nd Loan
VA 5.85% AssumableSave -$0/mo$258,0801 bd · 1 ba · 660 sqft
330 CENTRAL PARK AVE UNIT F12
Scarsdale, NY 10583
1st Loan Balance$310,400
Est. Equity Gap$0
Calculate Payment & 2nd Loan
VA 3.35% AssumableSave -$1,220/mo$399,0002 bd · 2 ba · 1,350 sqft
13 CAMPUS PL UNIT SL
Scarsdale, NY 10583
1st Loan Balance$242,500
Est. Equity Gap$156,500
Calculate Payment & 2nd Loan
VA 3.55% AssumableSave -$842/mo$269,0001 bd · 1 ba · 800 sqft
9 SENTRY PL UNIT 2C
Scarsdale, NY 10583
1st Loan Balance$170,000
Est. Equity Gap$99,000
Calculate Payment & 2nd Loan
VA 5.25% AssumableSave -$587/mo$239,0001 bd · 1 ba · 850 sqft
52 UNDERHILL RD UNIT ML
Scarsdale, NY 10583
1st Loan Balance$57,100
Est. Equity Gap$181,900
Calculate Payment & 2nd Loan
VA 3.35% AssumableSave -$4,496/mo$1,400,0004 bd · 3 ba · 1,855 sqft
594 FORT HILL RD
Scarsdale, NY 10583
1st Loan Balance$675,300
Est. Equity Gap$724,700
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$3,831/mo$1,085,0003 bd · 2.5 ba · 2,200 sqft
68 MT JOY AVE
Scarsdale, NY 10583
1st Loan Balance$687,900
Est. Equity Gap$397,100
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$3,828/mo$1,079,0003 bd · 2.5 ba · 2,013 sqft
2 LONGVIEW DR
Scarsdale, NY 10583
1st Loan Balance$669,700
Est. Equity Gap$409,300
Calculate Payment & 2nd Loan
VA 3.85% AssumableSave -$4,012/mo$1,339,0004 bd · 3.5 ba · 1,808 sqft
314 FORT HILL RD
Scarsdale, NY 10583
1st Loan Balance$730,800
Est. Equity Gap$608,200
Calculate Payment & 2nd Loan
VA 4.35% AssumableSave -$13,889/mo$4,995,0008 bd · 7 ba · 14,763 sqft
2 HIGH POINT TER
Scarsdale, NY 10583
1st Loan Balance$3,449,100
Est. Equity Gap$1,545,900
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Scarsdale, NY
Which loans are assumable in Scarsdale, NY?
All government-insured FHA, VA, and USDA residential mortgages in Scarsdaleare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Scarsdale buyers finance the equity gap?
If a home in Scarsdale 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 Scarsdale lenders so you only bring 5%–10% down.
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