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Seller-finance terms
Payment, balloon payoff, and total interest on a note you carry — the math the seller-carry lesson hands off.
Your numbers
Every figure is your input. Drag or type. The math runs here — no AI.
The deal
$
%
The note
%
yrs
yr
Monthly payment
$811
on $64,000 financed at 9% over 10 yrs
Balloon payoff
$39,055
remaining balance due in year 5
Total interest
$23,699
collected through the balloon
Total collected
$103,699
down + payments + balloon
See the math
Financed principal (price − down)$64,000
Down payment$16,000
Monthly payment (amortizing)$811
Payments through year 5 (60 × payment)$48,643
Balloon payoff (remaining balance)$39,055
Total interest collected$23,699
Total collected (down + payments + balloon)$103,699
Assumptions
- A fully-amortizing note at the stated rate, with a balloon (remaining balance due) at the balloon year.
- Interest compounds monthly; payments are level and monthly. No points, servicing fees, taxes, or insurance are included.
- 'Total collected' counts the down payment + every monthly payment through the balloon + the balloon payoff.
- This models the note only. It is not a tax calculation (installment-sale treatment is your CPA's) and not legal advice on the instrument.
Learn the grounded prompt behind this number: Structure the seller-carry terms →
A planning estimate from your inputs, computed here (not by an AI). It models a level-payment amortizing note with a balloon; it excludes points, servicing, taxes, insurance, and any tax treatment. Confirm the instrument with your attorney and the tax treatment with your CPA before you offer terms. Not investment, tax, or legal advice.