Yorktown Heights, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Yorktown Heights, New York (NY)
Search active homes in Yorktown Heights, 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 (Yorktown Heights Area · 1.64%/yr), and get quotes from lenders serving Yorktown Heights.
Assumable Mortgage Buyer ConciergeYorktown Heights, 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 Yorktown Heights, NY.
Assumable Mortgage Scenarios in Yorktown Heights & New York
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VA 3.75% AssumableSave -$7,723/mo$1,375,0004 bd · 2 ba · 2,000 sqft
2323 CROMPOND RD
Yorktown Heights, NY 10598
1st Loan Balance$215,000
Est. Equity Gap$1,160,000
Calculate Payment & 2nd Loan
VA 5.50% AssumableSave -$2,029/mo$900,0004 bd · 2.5 ba · 2,351 sqft
2159 PONDFIELD CT
Yorktown Heights, NY 10598
1st Loan Balance$171,400
Est. Equity Gap$728,600
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$1,614/mo$450,0004 bd · 3.5 ba · 1,890 sqft
2222 CROMPOND RD
Yorktown Heights, NY 10598
1st Loan Balance$282,000
Est. Equity Gap$168,000
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$2,871/mo$899,0003 bd · 2 ba · 3,020 sqft
471 HILLTOP RD
Yorktown Heights, NY 10598
1st Loan Balance$515,200
Est. Equity Gap$383,800
Calculate Payment & 2nd Loan
VA 5.10% AssumableSave -$2,198/mo$899,9995 bd · 3.5 ba · 3,436 sqft
800 GRANITE SPRINGS RD
Yorktown Heights, NY 10598
1st Loan Balance$364,400
Est. Equity Gap$535,599
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$3,030/mo$949,0004 bd · 2.5 ba · 2,625 sqft
2668 RIDGE ST
Yorktown Heights, NY 10598
1st Loan Balance$543,800
Est. Equity Gap$405,200
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$2,625/mo$740,0004 bd · 2.5 ba · 2,224 sqft
496 GRANITE SPRINGS RD
Yorktown Heights, NY 10598
1st Loan Balance$459,400
Est. Equity Gap$280,600
Calculate Payment & 2nd Loan
VA 5.75% AssumableSave -$5,967/mo$2,795,0004 bd · 6 ba · 7,742 sqft
99 TOMAHAWK ST
Yorktown Heights, NY 10598
1st Loan Balance$2,052,200
Est. Equity Gap$742,800
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$1,712/mo$485,0002 bd · 2 ba · 1,050 sqft
72 SCENIC VM
Yorktown Heights, NY 10598
1st Loan Balance$313,600
Est. Equity Gap$171,400
Calculate Payment & 2nd Loan
VA 5.65% AssumableSave -$1,500/mo$689,0004 bd · 2 ba · 2,076 sqft
2723 WINDMILL DR
Yorktown Heights, NY 10598
1st Loan Balance$516,200
Est. Equity Gap$172,800
Calculate Payment & 2nd Loan
USDA 2.75% AssumableSave -$3,154/mo$879,9003 bd · 2.5 ba · 2,117 sqft
2040 CROMPOND RD #22
Yorktown Heights, NY 10598
1st Loan Balance$551,900
Est. Equity Gap$328,000
Calculate Payment & 2nd Loan
FHA 2.75% AssumableSave -$4,125/mo$1,150,0004 bd · 3.5 ba · 2,842 sqft
1839 SOUNDVIEW CT
Yorktown Heights, NY 10598
1st Loan Balance$720,800
Est. Equity Gap$429,200
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Yorktown Heights, NY
Which loans are assumable in Yorktown Heights, NY?
All government-insured FHA, VA, and USDA residential mortgages in Yorktown Heightsare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Yorktown Heights buyers finance the equity gap?
If a home in Yorktown Heights 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 Yorktown Heights lenders so you only bring 5%–10% down.
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