Shopping Tool
Negative Equity Tool
Understand how being upside down on your trade affects your next purchase—and how your down payment helps.
Current negative equity
$4,000
- Covered by your down payment
- $2,000
- Rolled into the new loan
- $2,000
- New amount financed (approx.)
- $32,000
A larger down payment reduces how much negative equity rolls forward. If you can, paying down some of the gap before trading is often the smartest move.
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This tool shows how the math generally works. Whether negative equity can be rolled into a new loan depends on the lender, your credit, and the loan-to-value limits—this is not a financing approval.