Subject-To (SubTo) Real Estate Deal Analyzer

Enter your specific variables below to compute accurate, real-time results.

Input Variables

Purchase Price ($)

Existing Loan Balance ($)

Existing Monthly P&I ($)

Cash to Seller ($)

Closing Costs & Rehab ($)

Expected Monthly Rent ($)

Other Monthly Expenses (Taxes, Ins, etc.) ($)

AI Analysis Results

Input your variables and
click calculate to see results.

Expert FAQ

A: Subject-To means purchasing a property 'subject to' the existing mortgage. The buyer gets the deed and ownership, but the original loan stays in the seller's name, and the buyer takes over the monthly payments.

A: Yes, Subject-To is legal in the United States. It is a standard transfer of title. However, it may violate the 'Due on Sale' clause of the mortgage, which is a contractual matter between the lender and the original borrower, not a criminal one.

A: In a loan assumption, the buyer formally takes over the loan with the lender's permission, and the seller is released from liability. In Subject-To, the lender is usually not notified, and the seller remains technically liable for the loan if the buyer stops paying.

Verified Logic Engine

This calculator's logic is modeled by FinCal AI Agents. All formulas are cross-referenced with 2026 tax codes and investment benchmarks to ensure maximum precision.