Mortgage Calculators

Please Note: All rates and numbers below are estimates used for illustrative purposes only.

This is not tax advice. You should consult a tax professional to discuss the specifics of your situation.

JVM Lending

1031 Exchange Calculator

Estimate the capital gains tax you could defer by exchanging your investment property instead of selling it outright.

Your property & sale

Property being sold
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$
$
$
%
$
Your tax rates (estimates)
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Often applies when income is over $200k (single) or $250k (married).

Your estimate

Capital gains tax you could defer with a full 1031 exchange$0
Total capital gain
$0
Effective tax rate on the gain
0%

Your gain and estimated tax

Your capital gain
Adjusted cost basis$0
Amount realized after selling costs$0
Total capital gain$0
Estimated tax if you sell without exchanging
Depreciation recapture (25%)$0
Federal capital gains (20%)$0
Net investment income tax (3.8%)$0
State tax (9.3%)$0
Total tax if you sell$0
Equity you keep to reinvest
Sell outright$0After paying tax
1031 exchange$0No tax paid now

The $0 difference between these is the tax you defer by exchanging instead of selling.

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A full 1031 lets you carry that entire gain into your next property, so more of your equity keeps working for you. To defer it all, you generally reinvest every dollar of net proceeds and carry equal or greater debt on the replacement property. Financing the replacement with us can help you avoid "mortgage boot."

Planning a partial exchange? Check for taxable "boot"

If your replacement property costs less or carries less debt, part of your gain becomes taxable now. Enter the replacement details to see how much stays deferred.

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$
Fully deferred
Cash boot (proceeds you keep)$0
Mortgage boot (debt not replaced)$0
Taxable gain now$0
Estimated tax due now$0
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How we calculated this

    The results displayed in this mortgage calculator are only estimates and cannot be used to determine actual loan costs or be used as a guarantee. Get an official loan estimate before choosing a loan.

    This is an educational estimate, not tax or legal advice. JVM Lending is a mortgage lender, not a tax advisor, CPA, or qualified intermediary. A 1031 exchange has strict IRS rules and deadlines, and the actual tax depends on your full financial picture. Confirm any figures with a qualified tax professional and a qualified intermediary before acting. Estimates are based only on the values you entered and current general tax rates, which can change. All loans subject to credit approval. Rates and terms may vary based on borrower qualifications and property details. This is general information, not a loan commitment. JVM Lending is a division of Vellum Mortgage, Inc. NMLS #1657323. Equal Housing Opportunity.