capital construction and servicing workspaces · Advanced
Loan-assumption equity calculator
Calculate acquisition equity with assumed and supplemental debt. Includes assumption sources-and-uses and required-equity output.
Your assumptions
Illustrative starting values. Replace them with your own evidence. Inputs stay in this browser.
Your scenario, explained
Results
Calculation assumptions
Version 1.0.0 · Educational scenario, subject to the stated assumptions.
How this calculation works
Method and assumptions
Equity equals price less assumed principal plus fees, closing costs and new reserves. Calculate existing-note payments and balloon using remaining amortization; compare replacement-rate payment on the same balance and amortization.
Worked example
A $5 million purchase with $3 million assumed debt, $50,000 transfer fees, $40,000 closing costs and $100,000 reserves needs $2,190,000 cash equity. At the existing 4% rate with 240 amortization months remaining, the payment is $18,179.41 and the balance after 84 months is $2,208,608.07. Applying a 6.5% comparison rate to the same balance and amortization increases the payment to $22,367.19; consent to the assumption remains a separate question.
Before using the result
Know the boundaries
- Educational scenario, not a quote, commitment, approval, appraisal or payoff statement.
- Defaults and thresholds are editable illustrations; the executed documents and lender underwriting control.
- Assumption availability, transfer consent, release of guarantors and fees require lender confirmation. This tool does not determine assumability.
Method references
Discuss your financing with Jaken Finance Group ↗Keep working through the decision