What if the seller's loan only has 25 years left?

The Assumable Guy Show · Aug 18, 2026 · 5m

Taking over a loan with 25 years left instead of 30 sounds like you are getting shortchanged. Ryan flips that completely. Every mortgage is front loaded with interest, meaning the seller already paid through the most expensive years for you. When you assume a loan that is five years in, over half of your monthly payment goes straight to principal from day one. On a brand new loan at 6.5% for the same balance, less than a third of the bigger payment touches principal. You are not losing five years. You are skipping the five worst ones. He runs the full comparison on a $354,000 assumed loan at…