September 2026 HUD file
HUD-insured apartment loans in New York
456 properties with 80,016 units carry FHA-insured mortgages in New York, with $10.7 billion still owed. The median note rate is 4.1%, and 225 of them are below 4%.
456insured loans
4.1%median note rate
$10.7 billionbalance outstanding
5.54%median on loans endorsed in the last 12 months, all states
By program
| 223(f) purchase or refinance | 277 |
|---|---|
| 221(d)(4) construction or substantial rehab | 11 |
| 223(a)(7) refinance | 72 |
| HFA risk-sharing | 91 |
| 241(a) supplemental | 4 |
| Older and other programs | 1 |
Lowest rates with 10+ years left
These are the loans a buyer would most want to assume. Open one for the payment math.
| Property | City | Units | Rate | Balance | Matures |
|---|---|---|---|---|---|
| Bayside Gardens | Bayside | 26 | 1.99% | $4.0 million | 2057 |
| Village Lofts | Hempstead | 29 | 2.12% | $6.6 million | 2055 |
| Newport Highlands | Rochester | 200 | 2.14% | $9.0 million | 2056 |
| Marble Hall | Tuckahoe | 134 | 2.17% | $42.7 million | 2056 |
| Sumet I Apartments | Brooklyn | 201 | 2.18% | $66.3 million | 2056 |
| Dunwell Plaza | New York | 183 | 2.18% | $51.4 million | 2056 |
| Southgate Apartments | Schenectady | 292 | 2.18% | $17.8 million | 2056 |
| Associated Blind Aka Selis Manor | New York | 205 | 2.2% | $66.0 million | 2056 |
| Grand Street Guild Southwest | New York | 200 | 2.2% | $54.4 million | 2055 |
| Grand Street Guild Southeast | New York | 200 | 2.2% | $49.3 million | 2055 |
| Grand Street Guild North | New York | 200 | 2.2% | $46.5 million | 2055 |
| Lower East Side I | New York | 152 | 2.2% | $36.2 million | 2056 |
| The Lofts at Saratoga Blvd | Malta | 214 | 2.23% | $38.6 million | 2056 |
| Julianna Apartments | Buffalo | 32 | 2.23% | $2.3 million | 2049 |
| John Paul II Apartments | New York | 70 | 2.24% | $9.0 million | 2056 |
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Paying off within five years
Most HUD loans amortize to zero, so these balances are usually small. The owners are deciding what to do with a nearly paid-off property.
| Property | City | Units | Rate | Balance | Matures |
|---|---|---|---|---|---|
| Aldus I | Bronx | 95 | 6% | $165,617 | 2029 |
| The Brook Apts | Utica | 98 | 5% | $502,532 | 2030 |
| Concourse Green Apts | New York | 168 | 6.875% | $159,075 | 2030 |
| State Hulett Apts | Schenectady | 105 | 7.5% | $61,575 | 2030 |
| Colt Block Apts | Niagara Falls | 71 | 6.5% | $61,896 | 2031 |
| Dean North Apartments | Brooklyn | 31 | 7% | $155,667 | 2031 |
| Hurston Place I and II | New York | 57 | 4.115% | $3.4 million | 2031 |
| Sebco IV | Bronx | 71 | 6% | $257,887 | 2031 |
By city
- New York 88
- Brooklyn 67
- Bronx 57
- Buffalo 9
- Staten Island 9
- Syracuse 8
- Jamaica 7
- Rochester 7
- Albany 6
- Poughkeepsie 6
- Far Rockaway 5
- Amherst 4
- Cohoes 4
- Cortland 4
- Queens 4
- Suffern 4
- Watertown 4
Everywhere else in New York
- County View Apartments Adams · 3.29%
- Arverne View Apartments Arverne · 6%
- Cathrine Sheridan Senior Apartments Astoria · 2.99%
- The Amara Astoria · 5.4%
- Edward T Boyle Center Auburn · 4.38%
- Mercy Apartments Auburn · 3.035%
- Stryker Homes Apartments Auburn · 3.37%
- Avon on the Green Avon · 8%
- Kimbrook Manor Apartments Baldwinsville · 4.25%
- Doubleday Woods Ballston Spa · 3.02%
- Clyde F. Simon Lakeview Apartments Bath · 3.53%
- Bayside Gardens Bayside · 1.99%
- Scheuer House of Bayside Bayside · 6.21%
- Hudson View Park Apartments Beacon · 3.21%
- Coney Island Phase II Bklyn · 4.275%
- Kamargo Apartments Black River · 3.94%
- Cambridge Square Apts Blasdell · 3.28%
- Our Mother of Good Counsel Apartments Blasdell · 3.1%
- Long Manor Apartments Brewerton · 3.93%
- Rogers Senior Apartments Brewerton · 3.93%
- Westview Apartments Brewster · 5.68%
- Royal Gardens Apartments Brockport · 3.35%
- Herbert Star Apartments Brocton · 4.15%
- Fairmount Gardens Camillus · 4.6%
- Eighty Parrish Street Apts Canandaigua · 3.19%
- Lakeside Village Apt Canandaigua · 6.25%
- Stoneleigh Apartments Canastota · 3.32%
- Castle Hill Apartments Castleton · 2.3%
- Sacred Heart Apartments Cicero · 3.09%
- Lonsway Hill (clayton) Clayton · 3.4%
- Bishop Hubbard Senior Apartments Clifton Park · 6.625%
- Clinton-Mohawk Apartments Clinton · 5.2%
- Bishop Broderick Apartments Colonie · 3.9%
- Deep River Estates Copenhagen · 2.9%
- Alberta Alston House Corona · 4.8%
- Bethany Village Coxsackie · 4.25%
- Autumn Creek Apartments East Amherst · 3.18%
- Windmill Village Apartments East Hampton · 5.8%
- Windmill Village II East Hampton · 4.55%
- Gleason Estates Aka Woodland Estates East Rochester · 3.81%
- St. Davids Court Apartments East Syracuse · 3.98%
- Emerald Pond Estates Ellenville · 4.1%
- Marian Apartments Endwell · 6.22%
- Fairdale Apartments Farmington · 2.47%
- Redfield Village Apartments Fayetteville · 3.35%
- Queen's B'nai B'rith House Flushing · 5.34%
- Fulton Mill Apartments Fulton · 6.25%
- Geneseo Highlands Apts Geneseo · 4.97%
- Upper South Street Senior Apartments Geneseo · 5.25%
- North Street Apartments Geneva · 2.98%
- Glen Cove Garden Glen Cove · 6.66%
- The Residences at Fox Meadow Glenville · 5.16%
- The Residences at Fox Meadow Phase II Glenville · 5.9%
- Constitution Court Gouverneur · 2.9%
- Islandview Apartments Grand Island · 4.29%
- Mountainview Commons Granville · 2.75%
- Park Ridge Commons Greece · 6.2%
- Bethel Estates Hamburg · 2.73%
- Eagle Ridge Commons Hamburg · 5.15%
- Haverstraw Place Apartments Haverstraw · 4.44%
- Park Lake Apartments Hempstead · 2.55%
- Village Lofts Hempstead · 2.12%
- Hickory Grove Apartments Horseheads · 2.5%
- Hickory Grove the Meadow Horseheads · 5.21%
- Greenport Manor Hudson · 4.73%
- John Guy Prindle Apartments Ilion · 2.38%
- Inwood Terrace Apartments Inwood · 3.53%
- East Pointe Apartments Ithaca · 2.27%
- The Ithacan Ithaca · 6%
- Wells Apts Johnson City · 4.35%
- Keeseville Country Gardens Keeseville · 2.26%
- The Grosvenor Kew Gardens · 5.53%
- Martin Luther Terrace Apartments Kings Park · 5.39%
- Stuyvesant Apartments Kingston · 5.75%
- King Thiel Senior Community Latham · 2.55%
- Skyview Terraces Latham · 4.61%
- Foxwood Place Lockport · 3.2%
- Hunter's Point South F & G Long Island · 5.113%
- The Fifty Long Island · 5.33%
- Hunters Point South Parcel C-North Tower Long Island City · 4.85%
- Hunter Point South Parcel C South Tower Long Island City Queens · 4.85%
- Lyons Manor Lyons · 3.1%
- Grandeville at Malta Malta · 2.6%
- The Lofts at Saratoga Blvd Malta · 2.23%
- The Lofts at Saratoga Blvd Phase II Malta · 4.15%
- Maple Ridge Estates Medina · 3.5%
- Albany Lofts at One Broadway Menands · 2.3%
- Stonegate Apartments Middle Island · 2.64%
- Wallkill Living Center Middletown · 4.87%
- Esther Dashew Apartments Monsey · 2.52%
- Two Thirty One S Fulton Ave Mount Vernon · 3.84%
- Middlewood Senior Citizen Park Nanuet · 2.88%
- Seton Village Senior Housing Nanuet · 5.55%
- Hillside Gardens Apartments New Hartford · 2.79%
- Lincoln Towers New Rochelle · 3.39%
- Soundview Apts New Rochelle · 3.34%
- Orchard Hills Landings Newburg · 2.29%
- Colt Block Apts Niagara Falls · 6.5%
- Monteagle Ridge Niagara Falls · 3.75%
- Wheatfield Towers Niagara Falls · 3.95%
- B'nai B'rith Schenectady Niskayuna · 3.15%
- Pitcher Hill Apartments North Syracuse · 3.35%
- 600 River Road North Tonawanda · 4.68%
- 600 River Townhomes North Tonawanda · 6.34%
- Golden Age Apartments Norwich · 2.49%
- Grace View Manor Norwich · 2.25%
- Nunda Villager Apts Nunda · 6.25%
- Rockland Gardens Aka Rockland Gardens Apartment Nyack · 5.4%
- Academy Arms Apartments Oneonta · 3.1%
- James F Lettis Apts Oneonta · 6.5%
- Pontiac Terrace Apt Oswego · 5.5%
- St Luke Elderly Housing Oswego · 3.8%
- Friends Settlement Philadelphia · 2.9%
- Branson Manor Senior Housing Rensselaer · 6.625%
- Summit at Eastwyck Aka East Rensselaer · 3.33%
- Village Green Apartments Rhinebeck · 3.18%
- Richmond Hill Housing Richmond Hill · 4.49%
- John Wesley Village Riverhead · 3.56%
- Georgian Arms Apts Rome · 3%
- Rome Mall Apartments Rome · 3.09%
- Sweetflag Estates Rooseveltown · 3.77%
- Roslyn Plaza Garden Roslyn Heights · 2.7%
- Netzero Village Rotterdam · 5.6%
- Solara Luxury Apartments Rotterdam · 5.64%
- Champlain Family Housing Rouses Point · 6.5%
- Raymond Watkins Apartments Saratoga Springs · 2.42%
- The Mill at Saugerties Saugerties · 5.54%
- Southgate Apartments Schenectady · 2.18%
- State Hulett Apts Schenectady · 7.5%
- Yates Village Phase II Schenectady · 3.828%
- Sidney Senior Village Sidney · 4.1%
- Solvay Senior Apartments Solvay · 5.9%
- Help Me Independent Living Center Spring Valley · 6%
- Surrey Carlton Apartments Spring Valley · 6.075%
- Lord Howe Estates Ticonderoga · 3.09%
- Taylor I Apartments Troy · 5.25%
- Marble Hall Tuckahoe · 2.17%
- Steinhorst Apts Utica · 5%
- The Brook Apts Utica · 5%
- Marion Gardens Townhomes Van Buren · 5.71%
- Autumn Grove Apartments Victor · 5.2%
- Mountain View Estates Walton · 6.5%
- Creekside Commons & Marshall Sq. Apt Wappingers Falls · 3.38%
- Crestview Terrace Apartments Warsaw · 3.1%
- Liberty Green Senior Apartments Phase I Warwick · 3.38%
- Van Schoonhoven Square Waterford · 3.02%
- East Main Street Apts Waterloo · 2.98%
- Schoolhouse Apts Waterville · 6.5%
- Cabrini Acres Senior Housing Watervliet · 6.1%
- The Tilley Lofts Watervliet · 5.3%
- Quinby Park Apartments Webster · 4.73%
- Genesee Pointe West Henrietta · 5.05%
- Springside Meadows West Henrietta · 6.75%
- Bridgeview Commons West Seneca · 5.65%
- United Church Manor West Seneca · 2.34%
- Lakeview Apartments White Plains · 4.15%
- Skenesborough Harbor Whitehall · 2.75%
- Wolcott Estates Wolcott · 3.73%
- Woodysun Apartments Woodside · 4.51%
- St. Jude Apartments Wynantskill · 3.95%
- La Mora Senior Apartments Yonkers · 5.25%
- Schlobohm Walsh and Flynn Apts. (mhacy) Yonkers · 4.75%
- Beaveridge Housing Yorktown Heights · 2.64%
Source: HUD, Insured Multifamily Mortgages, active file, current as of September 30, 2026. Apartment loans only; nursing homes, assisted living and hospitals in the same file are not counted.
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