Calculator

Owner Finance Calculator

Structure owner-financed deals with confidence. Calculate PITI payments, balloon balances, prepayment penalties, and extra payment savings — all live.

Presented by

Loan Details

Purchase Price

Down Payment ($)

Down Payment (%)

= $25,000 down

Interest Rate

Amortization Term

yrs

Taxes & Insurance (PITI)

Annual Property Tax

$5,000/yr (2% of price)

Escrow: $416.67/mo

Annual Insurance

$1,667/yr (0.667% of price)

Escrow: $138.90/mo

Balloon Payment

Enable to require full payoff after a set number of years — common when the buyer plans to refinance.

Additional Principal Payments

Optional extra payments applied to principal to pay off faster.

Monthly Additional Principal

One-Time Additional Payments

No one-time payments added.

Prepayment Penalty

Enable to define early payoff penalty terms — important to disclose in the promissory note.

Loan Servicer

Optional — appears on PDF report for buyer and seller records.

Servicer Name

Who Pays the Servicer?

Monthly PITI Payment

$2,206.53

principal · interest · taxes · insurance

Monthly Payment Detail

Principal & Interest$1,650.97

Property Tax (escrow)$416.67

Insurance (escrow)$138.90

Total PITI$2,206.53

Loan Summary

Purchase Price$250,000

Down Payment (10.0%)$25,000

Loan Amount$225,000

Interest Rate8%

Loan Term30 years

Total Interest Paid$369,349

Total Cost of Loan$594,349

Loan Breakdown

$25,000 down (10%)

$225,000 financed

Tip: Owner financing allows flexible terms between buyer and seller. Always use a licensed attorney to draft the promissory note and deed of trust.

Ready to Structure a Deal?

Our agents specialize in owner-financed transactions across the RGV. Let us help you negotiate the right terms.

Talk to an Agent (956) 450-7752