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Seller financing calculator

Enter price, down payment, annual rate, and term. An optional balloon year treats the remaining principal as due then, while monthly payments still amortize over the full term. Figures are a spreadsheet, not a loan offer.

Optional. Leave blank for a fully amortizing note.

Amount financed
$280,000.00
Monthly payment
$1,769.79
Interest paid (to balloon or payoff)
$88,298.16
Total paid (to balloon or payoff)
$368,298.16
Balloon at month 60
$263,880.53
Amortization snapshot (first 12 payments, plus balloon)
#PaymentInterestPrincipalBalance
1$1,769.79$1,516.67$253.12$279,746.88
2$1,769.79$1,515.30$254.49$279,492.38
3$1,769.79$1,513.92$255.87$279,236.51
4$1,769.79$1,512.53$257.26$278,979.25
5$1,769.79$1,511.14$258.65$278,720.60
6$1,769.79$1,509.74$260.05$278,460.54
7$1,769.79$1,508.33$261.46$278,199.08
8$1,769.79$1,506.91$262.88$277,936.20
9$1,769.79$1,505.49$264.30$277,671.90
10$1,769.79$1,504.06$265.73$277,406.16
11$1,769.79$1,502.62$267.17$277,138.99
12$1,769.79$1,501.17$268.62$276,870.37
60 · balloon$263,880.53$1,421.65$262,458.88$0.00

Not financial advice. Viewing the note from the buyer’s perspective? Use the Owner financing calculator.

Seller financing calculator example

A five-year balloon on a 30-year amortization

Price $350,000, down $70,000, 6.5% interest, 30-year term, balloon in 5 years. You get the monthly payment on $280,000, interest in the snapshot, and the balloon due at month 60.

Seller financing calculator how-to

  1. principal P = price - downPayment. monthlyRate r = annualRatePercent / 100 / 12. n = round(termYears * 12).
  2. If r === 0, payment = P / n. Else payment = P * (r * (1+r)^n) / ((1+r)^n - 1).
  3. periods = balloonMonth ?? n. Walk month 1..periods with balance starting at P.
  4. Each month: interest = r === 0 ? 0 : balance * r. If this is the balloon month or the last period, principalPaid = remaining balance and payment = principalPaid + interest; else principalPaid = min(payment - interest, balance) and payment is the level payment. balance = max(0, balance - principalPaid).
  5. Round displayed money with Math.round(value * 100) / 100. Snapshot the first 12 months and the balloon row. This is a spreadsheet, not a loan offer.

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Seller financing calculator FAQ

What is a seller financing calculator?
A seller financing calculator estimates the monthly payment, interest, and an optional balloon on a seller-financed or owner-financed note from the price, down payment, rate, and term. It runs in your browser. Not financial advice.
How do I calculate seller financing payments with a balloon?
The financed amount is the purchase price minus down payment (price − down). The level monthly payment is calculated from the interest rate and amortization term. An optional balloon year makes the remaining principal due then, while monthly payments still amortize over the full term. All calculations run in-browser and are for estimation only, not financial advice.
What is owner financing?
Owner financing is a sale structure where the property seller acts as the lender, letting the buyer make monthly note payments directly to the seller instead of obtaining a traditional bank mortgage. This page provides the seller-note perspective to project cash flow and interest, while our buyer-focused twin calculator at /finance/owner-financing-calculator tracks out-of-pocket costs and loan-to-value.
What is the difference between seller financing and a bank mortgage?
With a bank mortgage, a financial institution lends funds to the buyer and holds a lien. In seller financing, the property owner acts as the bank, taking a down payment and carrying a promissory note and deed of trust without institutional underwriting.
How is the payment and balloon calculated?
P = price − down payment. r = annualRatePercent / 100 / 12. n = round(termYears × 12). If r is 0, payment = P / n; else P × (r (1+r)^n) / ((1+r)^n − 1). Balloon month = round(balloonYears × 12) and must be < n. Each month interest = balance × r (or 0 if r is 0). On the balloon month or the last period, the payment is remaining principal plus that month’s interest; otherwise the level payment. Displayed money is round to cents. Snapshot is the first 12 months plus the balloon row. Not advice.
How does seller financing work in the UK compared to the US?
In the UK, seller financing is usually called vendor finance or a vendor loan note, frequently structured for business sales and commercial property. Residential vendor loans to consumers in the UK are strictly regulated by the Financial Conduct Authority (FCA).
Are the numbers stored?
No. All calculations run locally in your browser using temporary React state. No figures, financial inputs, or property details are saved to an account or transmitted to a server.
Is this financial advice?
No. It is a standard amortization formula in your browser. Tax, insurance, points, late fees, and local lending rules are out of scope. Talk to a professional before you write a note.