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Hub Net Proceeds Seller Finance Cap Gains Portfolio Exit Rent vs Sell Down Pmt Subject-To Amortization
Home Exit — Tool 07 of 08

Subject-To
Analyzer

Model a subject-to transaction where the buyer takes over your existing mortgage payments without the bank's involvement. See your equity release, ongoing liability exposure, due-on-sale risk score, and side-by-side comparison vs. seller financing and a conventional sale.

Your property & mortgage details
Subject-to keeps your existing loan in place — enter its current terms.
Buyer’s alternative mortgage (for comparison)
What rate would the buyer get from a bank today?
Seller Equity Released at Close
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Cash received minus loan stays in place
Buyer’s monthly payment (existing rate)
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What buyer pays on your loan
Buyer’s payment at market rate
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What buyer would pay for new loan
Buyer’s monthly saving
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Incentive to do subject-to
Due-on-sale risk level
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Based on loan type and LTV
Subject-To vs. Seller Finance vs. Conventional Sale
Cash received at closing
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Seller’s ongoing liability
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Interest income earned by seller
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Tax paid at close
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If seller-financed instead — monthly income
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If seller-financed — total interest earned
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Conventional sale — net at close
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⚠️ Subject-To Risk Assessment
Consider seller financing instead.
Seller financing gives you monthly income and interest earnings that subject-to does not — without keeping the loan in your name.
Seller Finance Strategy →
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Your subject-to analysis appears here.
Enter your property and mortgage details, then click Analyze subject-to.
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