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

≈ 12 pairs of sneakers

Balloon Balance Due$251,246.76

Loan Amount$270,000.00

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.

How the result changes with Purchase Price ($)

Purchase Price ($)	Monthly Payment
10,000,000	$59,775.19
35,000,000	$209,662.82
65,000,000	$389,527.98
90,000,000	$539,415.61

What each input means

Purchase Price ($): Agreed purchase price of the property.
Down Payment ($): Cash paid to seller at closing.
Interest Rate (%): Annual interest rate on the seller note.
Amortization (years): Payment schedule based on this term.
Balloon Due (years): Year when remaining balance is due. 0 = no balloon.
Monthly Rent ($): Expected rental income (if investment property).
Vacancy Rate (%): Expected vacancy percentage.
Monthly Operating Expenses ($): Taxes, insurance, maintenance, management.

What each result means

Monthly Payment: Amortized monthly P&I payment to the seller.
Balloon Balance Due: Remaining balance due at balloon date.
Loan Amount: Purchase price minus down payment.
Principal Paid by Balloon: Total principal paid before balloon is due.
Interest Paid by Balloon: Total interest paid before balloon is due.
Total Interest (full term): Total interest if loan runs to full amortization.
Monthly Cash Flow: Rental income minus expenses and payment.
Annual Cash Flow: Net annual income from the property.
Loan-to-Value: Loan amount / purchase price.
Seller's Yield: Annual interest rate earned by the seller.

How this is calculated

Worked example, using the default values

Identify Input Parameters
4 parameters
Purchase Price ($) = 300000, Down Payment ($) = 30000, Interest Rate (%) = 6, Amortization (years) = 30 = 8 input(s) provided
Calculate Monthly Payment
1618.79 = $1,618.79
Calculate Balloon Balance Due
251246.76 = $251,246.76
Calculate Loan Amount
Loan Amount
270000 = $270,000

Engine last updated July 26, 2026. Checked against 1 independently-derived test — how we verify calculators.

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