Seller financing calculator

Model the monthly payment, interest, and balloon payoff on a seller-financed deal — as a buyer figuring out affordability, or a seller sizing up what carrying the note is worth.

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Financing type

Purchase price

Down payment

10.0% of price

Interest rate (%)

Amortized over (years)

Balloon payment due before it's fully paid off

Your monthly payment

$2,311

Principal & interest on a $315,000 loan at 8%

Down payment: $35,000
Loan amount: $315,000
Total interest: $517,089
Payoff: 30 years

Balance over time

Year 0Year 30

Amortization schedule

Year	Principal paid	Interest paid	Ending balance
1	$2,631	$25,105	$312,369
2	$2,850	$24,886	$309,519
3	$3,086	$24,650	$306,432
4	$3,342	$24,394	$303,090
5	$3,620	$24,116	$299,470
6	$3,920	$23,816	$295,550
7	$4,246	$23,491	$291,304
8	$4,598	$23,138	$286,706
9	$4,980	$22,756	$281,726
10	$5,393	$22,343	$276,333
11	$5,841	$21,896	$270,492
12	$6,326	$21,411	$264,167
13	$6,851	$20,886	$257,316
14	$7,419	$20,317	$249,897
15	$8,035	$19,701	$241,862
16	$8,702	$19,034	$233,160
17	$9,424	$18,312	$223,736
18	$10,206	$17,530	$213,530
19	$11,053	$16,683	$202,476
20	$11,971	$15,765	$190,506
21	$12,964	$14,772	$177,541
22	$14,040	$13,696	$163,501
23	$15,206	$12,531	$148,295
24	$16,468	$11,268	$131,827
25	$17,835	$9,902	$113,993
26	$19,315	$8,421	$94,678
27	$20,918	$6,818	$73,760
28	$22,654	$5,082	$51,105
29	$24,535	$3,202	$26,571
30	$26,571	$1,165	$0

Estimates only — actual terms depend on the agreement you and the other party sign. Not legal or financial advice; see our disclaimer.