Estimate seller financing payments from price, cash down payment, interest, amortization and maturity. See balloon principal, final cash and total payments.
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One US/USD purchase funded by cash down payment and one fixed-rate seller note. Monthly payments occur in arrears, starting one month after origination. Amortization determines payment size; maturity determines when the unpaid balance becomes due.
Seller-note principal
$240,000.00
Purchase price less cash down payment
Monthly principal and interest
$1,438.92
Monthly in arrears
Balloon after payment 60
$223,330.46
Remaining principal due in month 60
Final maturity cash
$224,769.38
Regular payment 60 plus balloon principal
Totals exclude closing costs, taxes, insurance, property expenses, fees and seller obligations. Cash down payment is not total closing cash. Results assume every scheduled payment is made on time and do not determine whether proposed financing terms are legally permissible.
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Intermediate Decimal calculations remain unrounded. Money rounds half-up to cents. Adding rounded displayed components or multiplying the displayed monthly payment can differ by cents from independently rounded totals.
Seller-note debt is separate from other loan roles. Mortgage, Rental ROI, DSCR, Maximum Loan and Commercial Loan do not automatically include this seller note. Shared purchase-price and down-payment edits still affect calculators that use those fields.
Balances follow regular month-end payments. The final drop to $0 is the separate maturity principal repayment, not a regular payment.
Chart scale: percentage of original principal. Solid line: balance after regular payments. Dashed line: balloon repayment.
| Month / years | Event | Regular payment | Balloon repayment | Balance | Interest to date |
|---|---|---|---|---|---|
| 0 / 0 | Origination | $0.00 | $0.00 | $240,000.00 | $0.00 |
| 12 / 1 | Annual point | $1,438.92 | $0.00 | $237,052.77 | $14,319.83 |
| 24 / 2 | Annual point | $1,438.92 | $0.00 | $233,923.77 | $28,457.88 |
| 36 / 3 | Annual point | $1,438.92 | $0.00 | $230,601.77 | $42,402.93 |
| 48 / 4 | Annual point | $1,438.92 | $0.00 | $227,074.88 | $56,143.10 |
| 60 / 5 | Maturity · before balloon | $1,438.92 | $0.00 | $223,330.46 | $69,665.73 |
| 60 / 5 | After maturity principal repayment | — | $223,330.46 | $0.00 | $69,665.73 |
Deterministic checks based only on this scenario's inputs and outputs.
Remaining principal must be repaid at maturity. Refinancing or a sale may be unavailable or insufficient; neither is guaranteed.
Totals exclude closing costs, taxes, insurance, property expenses, fees and seller obligations. Cash down payment is not total closing cash. Results assume every scheduled payment is made on time and do not determine whether proposed financing terms are legally permissible.
Rates change by −1, −0.5, 0, +0.5 and +1 percentage points. All other inputs stay fixed; each row reruns the engine. Rates outside 0–100% are omitted. These are scenarios, not recommended terms.
| Rate change | Annual rate | Monthly payment | Balloon | Interest through maturity |
|---|---|---|---|---|
| -1.00% | 5.00% | $1,288.37 | $220,388.96 | $57,691.27 |
| -0.50% | 5.50% | $1,362.69 | $221,905.45 | $63,667.06 |
| Base | 6.00% | $1,438.92 | $223,330.46 | $69,665.73 |
| +0.50% | 6.50% | $1,516.96 | $224,666.35 | $75,684.14 |
| +1.00% | 7.00% | $1,596.73 | $225,915.82 | $81,719.37 |
Formula reference
Money is displayed in USD and rates are entered as percentages where applicable. Formula version seller-financing@1.0.0 stays attached to the result.
P = S − D
S is purchase price and D is cash down payment. Principal is derived, not an independent input.
M = P × r ÷ (1 − (1+r)^(−A)); at r = 0, M = P ÷ A
r is annual interest rate divided by 12; A is amortization in whole months. Payment timing starts one month after origination.
B(t) = M × (1 − (1+r)^(−(A−t))) ÷ r; balloon = B(T); final cash = M + B(T)
B(t) follows regular payment t. At zero interest B(t) = P − M×t; B(A) = 0. T is maturity in months. The balloon is principal alone; final cash also includes payment T.
Regular total = M×T; principal repaid = P − B(T); interest = M×T − (P − B(T))
Total note payments = M×T + B(T). Total modeled purchase payments = D + total note payments = S + interest. These are gross payments, not seller profit, net proceeds or investment return. Intermediate Decimal calculations remain unrounded. Money rounds half-up to cents. Adding rounded displayed components or multiplying the displayed monthly payment can differ by cents from independently rounded totals.
Example scenario
A $300,000 purchase with $60,000 cash down, 6% annual interest, 360-month amortization and 60-month maturity. These are editable examples, not recommended terms. Rendering does not save them; select Use example to save.
Open the example in the calculatorSeller-note principal
$240,000.00
Monthly payment
$1,438.92
Balloon after payment 60
$223,330.46
Final maturity cash
$224,769.38
Interest through maturity
$69,665.73
Total modeled purchase payments
$369,665.73
FAQ
Amortization determines the monthly payment. Maturity determines when unpaid principal becomes due. When maturity equals amortization, the note fully amortizes; a shorter maturity leaves a balloon. Enter both durations in whole months.
Here, balloon means principal remaining after the last regular payment. Final maturity cash adds that regular payment to the balloon. For the example, $223,330.46 is balloon principal and $224,769.38 is final maturity cash.
No. Closing costs, taxes, insurance, fees, property expenses and seller obligations are excluded. Use the Closing Costs calculator for a separate itemized transaction estimate.
No. This payment estimate assumes every payment occurs on time. Refinancing or sale is not guaranteed. It does not determine legal permissibility, eligibility, seller profit or tax treatment.
Mortgage, Rental ROI, DSCR, Maximum Loan and Commercial Loan do not automatically include seller-note debt. Shared purchase-price and down-payment changes still reach calculators that use those canonical fields. Multiple loans, wraparound financing and contract-for-deed arrangements are outside this model.
Read the supporting methodology, then compare this result with another view of income, financing, or project returns. Each calculator uses its own transparent assumptions.