Subject-To Calculator

Analyze deals where you take over existing financing subject to the existing loan

Property Value ($)

Existing Loan Balance ($)

Existing Interest Rate (%)

Remaining Loan Term (months)

Payment to Seller for Equity ($)

Closing Costs ($)

Rehab Costs ($)

Monthly Rent ($)

Monthly Expenses (excl. mortgage) ($)

Total Cash to Close

$18,000

Instant Equity

$50,000

Existing Monthly Payment

$1334

Monthly Cash Flow

$466

Cash-on-Cash Return

31.1%

5-Year Total Return

$146,883.377

Annual Interest Savings

$6,000

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MyCalcBuddy Editorial Team

This page is maintained as an educational calculator reference.

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Formula Source: Standard Mathematical References

by Various

ðŸ”„Last reviewed: May 2026

âœ“Formula checks are based on standard references and internal QA review.