Calculators
Seller Financing Calculator
Calculate the monthly payment, balloon payment and interest on a seller-financed note with an amortisation longer than its term.
- Runs in your browser
- Nothing uploaded
The tool
Enter your numbers below. Results update as you type, and nothing leaves your browser.
Everything you enter stays on your own machine. Nothing is sent to us or to anyone else, which you can confirm in your browser network tab.
What people use it for
- Structuring an owner-financed sale
- Buying a business or property with seller help
- Evaluating a seller note offer
- Planning for a balloon payment
About this tool
What the Seller Financing Calculator does
In seller financing, the seller lends part of the price and receives payments directly. Notes often amortise over a long period, such as 20 or 30 years, but fall due earlier with a balloon payment. This calculator shows the payment, the balloon and the interest the seller earns.
It also works as a seller carry financing calculator or a owner financing calculator.
Formula
- Payment = note × r ÷ (1 − (1 + r)^−n), using the amortisation period
- Balloon = remaining balance after the balloon term
Worked example
Using the starting values in the calculator above:
| Input | Value |
|---|---|
| Seller note amount | $100,000 |
| Interest rate | 7% |
| Amortisation period | 20 years |
| Balloon due after | 5 years |
| Result | Value |
|---|---|
| Monthly payment | $775.30 |
| Balloon payment due | $86,257 |
| Interest earned before the balloon | $32,775 |
| Total received by the seller | $132,775 |
How to read the result
The buyer must refinance or sell to pay the balloon; if rates are high when it falls due, that can be difficult, so allow extensions in the note if possible.
Sellers should check whether their own mortgage has a due-on-sale clause before offering financing.
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- Mortgage Refinance Calculator: Calculate the new payment, monthly saving, break-even months and lifetime cost difference of refinancing a mortgage.
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Browse every calculator in Property Management and Mortgage Calculators, or talk to us about property management websites and portals.
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Questions
Questions about this tool
The things clients actually want to know — costs, timelines, ownership and what happens after launch.
An arrangement where the seller lends part of the purchase price to the buyer instead of a bank.
A large final payment of the remaining balance, due before the loan would be fully repaid.
Often near or slightly above bank rates, reflecting the seller's risk.
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