Seller Financing Calculator

Estimate monthly payments, total interest, and balloon payments for owner-financed real estate deals.

💰 Sale Price ($)

💵 Down Payment ($)

📈 Interest Rate (%)

📅 Loan Term (years)

🎈 Balloon Payment (years, 0 for no balloon)

Enter number of years until balloon payment is due. Leave 0 for standard amortization.

📊 Seller Financing Summary

💰 Loan Amount

📈 Total Interest (if held to term)

🏦 Balloon Payment Due

📅 Years to Balloon

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🏠 Seller financing basics: The seller acts as the bank. Buyer makes a down payment and monthly payments to the seller. At the end of the term (or balloon date), the remaining balance is due in full.

💡 Pro tip: Balloon payments are common in seller financing (e.g., 5-10 year balloon on a 30-year amortization). Always have a promissory note and secure the loan with a mortgage/deed of trust. Consult an attorney.