Seller Financing Calculator

Calculate payment schedule, balloon balance, total interest, and cash flow for a seller-financed real estate purchase.

Financial Disclaimer

This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.

Inputs

Purchase Price ($)

Down Payment ($)

Interest Rate (%)

Amortization (years)

Balloon Due (years)

Monthly Rent ($)

Vacancy Rate (%)

Monthly Operating Expenses ($)

Tab to move between fields

Results

Monthly Payment

$1,618.79

Balloon Balance Due$251,246.76

Loan Amount$270,000

Principal Paid by Balloon$18,753.24

Interest Paid by Balloon$78,373.95

Total Interest (full term)$312,763.11

Monthly Cash Flow-$194.79

Annual Cash Flow-$2,337.44

Loan-to-Value90%

Seller's Yield6%

How to Use This Calculator

Enter Purchase Price, Down Payment, and the Interest Rate negotiated with the seller.
Set Amortization Years (payment schedule) and Balloon Due year — when the remaining balance is due in full.
Input Monthly Rent, Vacancy Rate %, and Monthly Operating Expenses if analyzing as a rental.
Review Monthly Payment — the amortized P&I paid to the seller each month.
Check Balloon Balance Due to plan your refinancing or payoff strategy before the balloon date.
Evaluate Monthly Cash Flow to confirm the deal generates positive returns above your seller payments.

Ad Placeholder