Seller Financing Calculator: Owner-Carry Note & Amortization (Sheets)

Price an owner-carry note in minutes and see exactly what the balloon will be. Enter the price, down payment, interest rate, amortization and balloon timing, and the spreadsheet calculates the monthly payment, balloon amount, principal and interest paid before the balloon, buyer cash at closing and what the seller receives in total. A full payment schedule fills in automatically. The PDF includes a terms worksheet and a checklist of legal, title and servicing items to cover with an attorney.

What's inside:

- Terms tab: payment, balloon, totals

- Automatic 360-month payment schedule

- Printable terms worksheet

- Pre-signing checklist

- PDF guide

Good to know:

- Works in Google Sheets, Excel and LibreOffice.

- Educational only; have an attorney draft the note.

Estimates only, based on the numbers you enter. Not investment, tax, legal, or lending advice, and not a loan offer or rate quote. Verify figures with qualified professionals.

Seller financing may be regulated by federal and state lending laws (including Dodd-Frank, the SAFE Act, and state licensing rules). Talk to a real estate attorney before offering or accepting owner financing. This tool is an estimate only, not a loan offer.