Free Seller Financing Calculators
Fast, private calculators for owner-financed and creative real estate deals. Everything runs in your browser, and nothing you type is stored.
Seller financing basics
Seller Financing CalculatorFree seller financing calculator: monthly payment, total interest, balloon payment and yearly amortization for an owner-financed property sale.Owner Financing CalculatorCalculate payments on an owner-financed home, land or business purchase, including an optional balloon payment and yearly schedule.Balloon Payment CalculatorCalculate the balloon payment on an amortized or interest-only note, plus payments, interest paid and how much of the loan is repaid before the balloon.Printable Amortization ScheduleGenerate a full monthly amortization schedule with payment dates, principal, interest and balance. Print-friendly for attaching to a promissory note.Down Payment & Closing Costs CalculatorEstimate buyer cash to close and seller net at closing for a seller-financed sale: down payment, title, attorney, recording, servicing and transfer tax.
Creative structures
Wraparound Mortgage CalculatorModel a wraparound mortgage: buyer payment vs. the underlying loan payment, the seller's monthly spread, total profit and yield on equity.Seller Carryback CalculatorCombine a bank first mortgage with a seller carryback second note: down payment, combined monthly payment, LTV, CLTV and balloon.Assumable Mortgage CalculatorCompare assuming a low-rate mortgage plus cash to the seller and a second loan against a new loan at today's rate: payments, blended rate, 5-year interest.Land Contract CalculatorCalculate land contract (contract for deed) payments including tax and insurance escrow, balloon payment and buyer equity.
Rent-to-own & options
Rent-to-Own CalculatorRent-to-own home calculator: rent credits, option fee, amount owed at purchase, projected equity and estimated mortgage payment.Lease Option CalculatorLease option calculator: break-even appreciation, equity if you exercise, and money at risk if you walk away, across appreciation scenarios.
Land & sellers
Land Loan CalculatorEstimate monthly payments on a loan or owner-financed deal for raw land, lots or acreage, with optional balloon payment.Seller Financing Income CalculatorFor sellers: interest earned and payment income from carrying a note, compared with a cash sale invested at an alternative return. No tax advice.
Guides
How Seller Financing Works: A Step-by-Step GuideHow seller (owner) financing works from offer to payoff: the documents, the money flow, typical terms, balloon payments and how to protect both sides.Seller Financing Pros and Cons for Buyers and SellersThe advantages and disadvantages of seller (owner) financing for buyers and for sellers, with the key risks and how people manage them.How to Write a Promissory Note for Seller FinancingWhat a real estate promissory note usually contains: parties, amount, interest, payment schedule, balloon, late fees, prepayment, default, and how it connects to the mortgage or deed of trust.Wraparound Mortgages Explained (With Example)How a wraparound mortgage works, a worked example of the seller's spread and yield, the risks for buyers and sellers, and how to reduce them.Due-on-Sale Clause: What It Is and the Risk in Creative FinancingWhat a due-on-sale clause is, when lenders can call a loan, the federal exceptions, and how it affects wraparounds, subject-to deals, land contracts and lease options.