SELLER FINANCING CALCULATOR
Run the seller-financing numbersiSeller financing (a.k.a. owner financing) is when the seller acts as the bank: instead of the buyer getting a mortgage, the seller carries a note and the buyer pays them directly each month, with interest. It opens the door to self-employed and credit-rebuilding buyers, can close faster, and often carries a balloon — a lump-sum payoff of the remaining balance after a set number of years.
See the monthly payment, the interest you’d collect, and the balloon payoff on a seller-financed (owner-carried) note. Useful whether you’re the seller carrying the note or the buyer being offered terms.
THE NOTE
Down payment to seller$0
Amount financed (seller-carried)$0
Buyer’s monthly payment$0
Balloon payoff (year 5)$0
Interest collected (through balloon)$0
Total the seller receives$0
Estimate only. Real seller-financing terms — rate, balloon, who pays taxes and insurance, default remedies — are negotiable and should be papered by an attorney or escrow with a proper promissory note and deed of trust. Some loans have due-on-sale clauses; structure matters. This is exactly the kind of deal I structure all the time — let’s talk through your situation.
How seller financing works