Seller Finance Payment Calculator
How to use this Calculator
Click on an amortization period (5 years, 10 years, 20 years, 30 years) and Scroll through potential loan amounts vertically and interest rates (horizontally) to see the corresponding monthly payments.
Type in a loan amount in the ‘jump to’ box to scroll to that loan amount.
To see the loan amounts and interest rates that correspond to a monthly payment range,
Type in the desired monthly payment range (e.g. 1500-1700) in the ‘enter payment range’ box and press ENTER.
Scroll through the grid to view all loan amount and interest rate combinations that fall within that payment range.
Negotiating with this Calculator
This calculator allows buyers and sellers to find terms that meet everyone’s needs.
For example:
A seller is asking for $500,000 with $125,000 down, making the amount seller financed $375,000.
The seller wants an income of around $2000 / month, so agrees to finance at 5% interest, amortized over 30 years.
The buyer is OK with the down payment and monthly payments, but wants to negotiate price.
Type a payment range of $2000-2020, press enter, and then scroll to see the range of prices and interest rates.
The seller could drop the price to $472,000, but raise the interest rate to 5.7% and still keep the same income over the life of the loan! (total Down payment + principle and interest for the life of both loans is about $725,000).