Spare a million?

Actor Richard Gere plays such a convincing homeless man that a kindhearted woman — who had no clue he was really a famous actor worth nearly $100 million — gave him a bag of food on the set of his latest movie in Midtown.

Not a single New Yorker recognized the handsome star of “Pretty Woman” and “An Officer and a Gentleman,” who was dressed in shabby clothes and munching a burger from a trash can near Grand Central Station around 5:45 p.m. Tuesday.

Sporting a ski cap and scruffy facial hair, Gere guzzled a beer from a brown bag amid rush-hour commuters as cameras shot the scene from across the street.

Gere was in character for his upcoming flick “Time Out of Mind,” and didn’t break from it when the generous woman handed him food in an “I Love NY” bag. He took it, smiled and thanked her.

The 64-year-old Golden Globe winner often takes clean-cut heartthrob roles.

But while filming this movie, he has managed to fool even the most astute New Yorkers.

“I saw him. He looked like a natural homeless guy. He didn’t seem like he was acting. He was an excellent homeless man,” said Mizan Rahman, 44, who sells newspapers on Park Avenue near East 42nd Street.

“He was putting his hand in the trash. He looked like a real homeless guy finding something . . . like the homeless men I see in many different places.”

Other workers nearby noticed cameras — but couldn’t figure out what filmmakers were doing.

“We saw the camera crews right outside, but we had no idea what they were shooting,” said one worker at the Kenneth Cole shop on 42nd Street.

Gere also was spotted chugging a beer on a bench and sitting on a sidewalk while filming the movie earlier this month.

Workers near Grand Central couldn’t identify the woman who gave Gere the food on Tuesday.