Worried that it'll take eons to scrape together the 20 percent down payment most often required to purchase the co-op of your dreams? Stop your fretting right now: These 10 co-ops across NYC only require 10 percent down—including an East Harlem three-bedroom with a renovated kitchen, a Park Slope one-bedroom with in-unit laundry, and a Jackson Heights four-bedroom with a fireplace—so your apartment-owning dreams can soon become a reality.

EAST HARLEM, MANHATTAN: A three-bedroom, two-bath top-floor unit with a recently renovated kitchen and walk-in closets in the master bathroom and second bedroom in a building with a 24-hour doorman, a fitness room, and a community room at 1787 Madison Avenue (between East 117th and East 118th streets). $895,000 plus $1,429/month maintenance

CENTRAL HARLEM, MANHATTAN: A south-facing one-bedroom (convertible to a two-bedroom), one-bath duplex with oak floors, an in-unit washer and dryer, and a private terrace in a building with a part-time doorman, a fitness room, a courtyard garden, and an on-site garage at 29 West 138th Street (between Fifth Avenue and Malcolm X Boulevard). $630,000 plus $1,214/month maintenance

PARK SLOPE, BROOKLYN: A renovated one-bedroom with a new kitchen and bathroom, refinished floors, an in-unit washer and dryer, a split-unit HVAC, and a tankless water heater in a building with a common laundry room and bike storage at 511 12th Street (between Eighth Avenue and Prospect Park West). $785,000 plus $575/month maintenance

CLINTON HILL, BROOKLYN: A two-bedroom, two-bath with a large balcony, a dining alcove, an upgraded kitchen with butcher block countertops and stainless steel appliances, and lots of closets in a pet-friendly elevator building with a full-time doorman at 195 Willoughby Avenue (between Hall Street and Classon Avenue). $835,000 plus $1,123/month maintenance

SUNSET PARK, BROOKLYN: A two-bedroom with a windowed bathroom, a windowed eat-in kitchen, two large closets, original oak parquet floors with mahogany inlay, plus other original prewar details; it's in a pet-friendly building with a live-in super, a new intercom system, a landscaped courtyard, a laundry room, basement storage, and bike storage at 4012 7th Avenue (between 40th and 41st streets). $550,000 plus $713/month maintenance

BEECHHURST, QUEENS: A corner one-bedroom, one-bath with hardwood floors, nine-foot ceilings, and lots of closets in a Tudor-style building with a front garden, bike storage, and a basement laundry room at 160-15 Powells Cove Boulevard (between 160th and 161st streets). $210,000 plus $621/month maintenance

JACKSON HEIGHTS, QUEENS: A four-bedroom, three-bath apartment with four exposures, a fireplace, a dining room, nine-foot ceilings, plaster walls, and parquet and oak strip floors in a pet-friendly elevator building with a laundry room and free storage bins at 33-52 81st Street (between 34th Avenue and Northern Boulevard). $1.075 million plus $1,493/month maintenance

BEDFORD PARK, BRONX: A recently renovated 822-square-foot one-bedroom, one-bath top-floor unit in a boutique-style prewar building with on-site laundry and a live-in super at 2962 Decatur Avenue (between Bedford Park Boulevard and East 201st Street). $159,000 plus $642/month maintenance

SPUYTEN DUYVIL, BRONX: A bright one-bedroom, one-bath apartment with a windowed kitchen, hardwood floors throughout, and generous closet space in a dog-friendly building with a live-in super, a part-time doorman, a laundry room, a bike room, and a fitness room at 2550 Independence Avenue (between Kappock Street and Palisade Avenue). $249,900 plus $706/month maintenance