Seller Finance Calculator with Balloon Payment
Run a seller-financed deal in seconds. Enter the sale price, down payment, rate, and term — toggle interest-only or principal-only periods, add a balloon exit, and see the monthly payment, total interest, and full amortization schedule update live.
Entry Options
Choose special options for the early years of your loan (optional)
Exit Option
Most seller-financed deals have a balloon exit (optional)
Want more? Available in Flexi
The full Flexi calculator handles every seller-finance structure you'll run into.
...and more — full deal-structuring, account settings, lessons, and community access.
About This Free Seller Finance Calculator
Seller financing — also called owner financing or a seller carry — is when the seller of a property acts as the bank, holding a note from the buyer instead of the buyer getting a traditional mortgage. The buyer makes monthly payments directly to the seller, usually with a balloon exit a few years out so the seller isn't carrying the note for 30 years. This calculator models exactly that: a clean, fixed-rate seller-financed note with optional interest-only or principal-only entry periods and a balloon payoff at any month you choose.
Use the entry-option toggles to model the most common creative structures. An interest-only period gives the buyer breathing room early on by deferring principal — useful when the property needs work or stabilization. A principal-only period is rarer but powerful: every payment in the early years goes straight to principal. Toggle on the balloon exit and pick the year, and the table will stop on the balloon month with the remaining balance shown as the final payment.
This version covers the basics. For more advanced modeling — wrap mortgages around an existing loan, ARM (adjustable-rate) and escalating-rate structures, extra principal payments with interest-saved tracking, capital-gains tax-benefit estimates, terms-value analysis, live charts, and PDF export — check out the full Flexi calculator.