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
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
Selling on your terms
Owner financing is my specialty, but it's one of several seller levers. Estimate your excise tax and net proceeds, get a quick value on your home, and read how the whole structure works in my seller-financing guide. The complete seller's guide covers pricing and marketing. See all calculators →