Mortgage Assumption Calculator

Use this Mortgage Assumption Calculator to compare assuming a seller’s low-rate mortgage against financing at current market rates.

HomeExpertly
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Mortgage Assumption Calculator
Calculate the "Blended Rate" and monthly savings of assuming an existing low-rate mortgage. Analyze the "Gap" between the purchase price and the assumed loan balance.
Deal Structure
$
$
Cash used to cover the gap between Price and Assumed Loan.
The Assumable Loan (Seller's)
$
%
years
Gap Financing (2nd Mortgage)
%
years
Used only if Cash < Gap. Leave blended if paying full gap in cash.
Comparison: New Market Loan
%
years
Assumption Analysis
The "Gap" Breakdown
Total Purchase Gap—
Covered by Cash—
Covered by 2nd Loan—
Blended Interest Rate—
Monthly Payment Comparison
Assumption (1st + 2nd)—
New Market Loan—
Monthly Savings—
5-Year Savings—
Visuals
Payment Breakdown
Interest Cost Comparison (5yr)
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