Seller Finance Calculator

Calculate owner financing payments, amortization, and balloon payments. As-Is seller income vs Pro Forma with different terms.

InputsSeller Finance Terms

Sale Terms

Sale Price?

Down Payment?

Interest Rate %?

Loan Term (years)?

Balloon Payment (optional)

Balloon Due (years)?

Pro Forma — Alternative Terms

Pro Forma Interest Rate %

Pro Forma Balloon (years)

Existing Mortgage (if any)

Existing Mortgage Payment/mo?

Current TermsAs proposed

Enter sale price and interest rate to see results

Monthly Payment

—

buyer pays seller

Seller Net/mo

—

after existing mortgage

Balloon Balance

—

due at balloon date

Total Interest

—

if held full term

Loan Summary

Sale Price—

Down Payment—

Financed Amount—

Monthly Payment—

Balloon Balance—

Total Payments (full term)—

Total Interest Earned—

Pro Forma TermsAlternative rate/balloon

Enter pro forma rate to compare terms

Monthly Payment

—

vs current

Seller Net/mo

—

vs current

Balloon Balance

—

at balloon date

Total Interest

—

full term

Pro Forma vs Current Comparison

Monthly Payment—

Balloon Balance—

Total Interest (full term)—

Monthly Difference—

Total Interest Difference—

Amortization Preview (Year 1)

Month 1 Interest—

Month 1 Principal—

Balance after Year 1—

Balance after Year 5—

📄 Email My Report

Get seller finance analysis sent to your inbox.

🤝

Seller Finance Basics

Seller acts as the bank. Buyer makes monthly payments directly to seller instead of a lender.

🎈

Balloon Payment

Common to have a balloon due in 3–7 years. Buyer must refinance or pay off at that date.

💰

Seller Net/mo

If seller has an existing mortgage, they must pay it from buyer's payments. Net = payment − existing mortgage.

📊

Pro Forma Column

Compare two different rate/balloon combinations side by side to negotiate the best terms.

Seller Financing (owner financing) is when the seller of a property extends credit to the buyer instead of requiring a cash payment or traditional mortgage. The seller holds a promissory note secured by a deed of trust or mortgage. Terms are fully negotiable — rate, term, balloon date, and down payment. Sellers often command higher sale prices and earn interest income. Buyers benefit from faster closing, flexible qualification, and no bank fees.