Owner financing calculators
Owner-financed deals are structured one at a time, so the only way to understand a set of terms is to run the numbers yourself. These tools calculate on figures you enter. Nothing is looked up, and nothing here is offered to you.
Owner financing payment calculator
Monthly payment, total interest, and the balance left when a balloon comes due, for any terms you enter.
Rent vs owner financing
What you would pay renting over the next few years against what you would pay owning the same home.
Seller note discount
For sellers carrying a note: the balance still owed, and what you give up by selling it today.
What this calculator is, and what it isn't
- It is a math tool. It runs a standard amortization calculation on figures you type in. Change an input and the output changes. Nothing is looked up, and nothing is saved.
- It is not an offer or a quote. No rate, payment, down payment, or term shown here is being offered to you by Ownerfi or by any seller.
- It does not reflect any particular property. In owner financing the price, down payment, interest rate, term, and whether there is a balloon are set by the individual seller and are negotiable. Two homes on the same street can be structured completely differently.
- It is not a credit decision. Entering numbers here does not qualify, pre-qualify, or approve anyone for anything, and a real deal will include costs this calculator does not model — closing costs, servicing fees, and whatever the specific agreement adds.
- It is not advice. This is general information, not legal, tax, or financial advice. Before signing anything, have the documents reviewed by a licensed attorney in the state where the property sits.