Wrap Mortgage Calculator

Analyze wrap-around mortgage deals — seller keeps existing mortgage and creates a new, larger note to the buyer.

Existing Mortgage Balance

Existing Rate

Existing Payment (P&I)

$/mo

Remaining Term

yrs

Property Value

Wrap Sale Price

Buyer Down Payment

Wrap Interest Rate

Wrap Term

yrs

Monthly Rent (if applicable)

Results

Monthly Spread —

Annual Spread Income —

Seller Equity Captured —

Buyer Savings vs Conventional —

How buyer payment splits: seller spread vs underlying mortgage

Buyer payment comparison

Metric	Wrap Mortgage	Conventional	Subject-To