Owner-Finance Payment Calculator
What does an owner-financed sale really pay you?
Set the price, down payment, rate, and term. See the monthly payment a buyer pays you, plus the balloon balance at year 5.
Monthly payment from buyer
$2,041.47
Down payment at closing$29,500
Amount financed (you carry)$265,500
Balloon balance at year 5$253,527
Total collected by year 5 (down + payments + balloon)$405,515
Lifetime interest if held 30 years$469,428
Most owner-financed notes amortize over 20–30 years with a 3–7 year balloon, so the buyer refinances or sells before then. Talk to your CPA about installment-sale tax treatment.
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