Seller financing,
made clear.
See the cash at closing, the monthly proceeds, and the final payoff.
One way to sell, compared with the others.
Seller financing changes when a seller receives money and which risks remain after closing. I'm Taylor Frampton, and I help Southern Utah owners compare seller financing with listing or a possible cash purchase. This calculator lets you explore a possible structure by changing the price, down payment, interest rate, amortization, and balloon timing. Compare cash at closing, payments over time, and the remaining balance. The numbers depend on your assumptions and do not establish that a structure is available or suitable.
Monthly amount is the first regular month. Negative values mean seller cash is required.
01Sale & financingStart with the deal you want to offer
02Existing mortgageMortgage stays in place
The seller continues paying this loan. Its remaining balance is deducted at the buyer’s payoff.
Original loan reference Optional
For your report only. Current balance, rate, and payment determine this mortgage’s remaining balance.
03Monthly chargesTaxes, insurance, HOA & servicing
Tax and insurance payments use the monthly escrow entered above. Annual estimates below remain reference values in this scenario.
HOA is buyer-paid. Taxes, insurance, HOA, and servicing estimates stay constant through payoff.
04Seller costsClosing expenses & deferred commission
Commission and title percentages use the seller-financed sale price. All fees are editable estimates.
05Traditional saleSet a fair comparison for cash today
This scenario uses its own sale price for commission and title costs. The current mortgage is paid off when one exists.
06Personalize your reportOptional scenario & property labels
Calculator entries stay in this tab’s memory. Refreshing or closing the page clears them. Print or save a PDF to keep a copy.
Cash today. Proceeds over time.
Net proceeds today
$259,376.00$439,000.00 sale price, less selling costs and current mortgage payoff.
- Cash at closing
- $12,950.00
- Net monthly proceeds · 24 payments
- $47,795.34
- Net proceeds at balloon
- $376,760.50
- Total nominal proceeds
- $437,505.84
- Traditional sale price
- $439,000.00
- Seller-financed sale price
- $550,000.00
- Seller-financed price is higher by
- $111,000.00
The two scenarios use different sale prices, and that $111,000.00 price difference is part of the nominal difference above. These amounts include returned equity and arrive at different times. The comparison does not discount future payments or measure investment profit, IRR, taxes, default risk, or inflation.
Know what happens, and when.
- 1
At closing
$12,950.00$30,000.00 down, less seller costs.
- 2
24 monthly payments
$47,795.34Total net monthly proceeds, beginning Nov 1, 2026.
- 3
Payoff · Oct 1, 2028
$376,760.50Net balloon proceeds after payment 24, mortgage payoff, and deferred commission.
$2,941.47 regular payment + $504,263.69 balloon principal
$507,205.16 total dueSee the calculation breakdown
At closing
- Down payment received
- $30,000.00
- Upfront commission
- -$13,750.00
- Title estimate
- -$3,300.00
- Home warranty
- $0.00
- Seller concessions
- $0.00
- Other seller costs
- $0.00
- Mortgage payoff at closing
- $0.00
- Cash at closing
- $12,950.00
First regular month
- Buyer principal & interest
- $2,791.47
- Existing mortgage principal & interest
- -$800.00
- Seller-paid servicing
- $0.00
- Monthly net proceeds
- $1,991.47
- Interest spread
- $1,875.00
- Net principal recovery
- $116.47
Monthly net proceeds include principal recovery. Interest spread plus net principal recovery, less seller-paid servicing, equals net proceeds.
At the balloon
- Buyer remaining principal
- $504,263.69
- Existing mortgage remaining balance
- -$127,503.19
- Deferred commission
- $0.00
- Net proceeds at balloon
- $376,760.50
Traditional sale
- Sale price
- $439,000.00
- Buyer-side commission
- -$13,170.00
- Listing-side commission
- -$13,170.00
- Title estimate
- -$2,634.00
- Home warranty
- -$650.00
- Seller concessions
- -$10,000.00
- Other costs
- $0.00
- Current mortgage payoff
- -$140,000.00
- Net proceeds today
- $259,376.00
First-month seller net × 12 ÷ (buyer note principal − retained mortgage balance). Includes principal recovery; this is not IRR. N/A when the denominator is zero or negative.
Explore the payment schedule 24 payments
Follow buyer and existing mortgage balances month by month. Scroll horizontally to see every column.
| # / Date | Buyer P&I | Buyer interest | Buyer principal | Buyer balance | Mortgage P&I | Mortgage interest | Mortgage principal | Mortgage balance | Buyer total | Seller net |
|---|---|---|---|---|---|---|---|---|---|---|
| 1Nov 1, 2026 | $2,791.47 | $2,166.67 | $624.81 | $519,375.19 | $800.00 | $291.67 | $508.33 | $139,491.67 | $2,941.47 | $1,991.47 |
| 2Dec 1, 2026 | $2,791.47 | $2,164.06 | $627.41 | $518,747.79 | $800.00 | $290.61 | $509.39 | $138,982.27 | $2,941.47 | $1,991.47 |
| 3Jan 1, 2027 | $2,791.47 | $2,161.45 | $630.02 | $518,117.76 | $800.00 | $289.55 | $510.45 | $138,471.82 | $2,941.47 | $1,991.47 |
| 4Feb 1, 2027 | $2,791.47 | $2,158.82 | $632.65 | $517,485.11 | $800.00 | $288.48 | $511.52 | $137,960.30 | $2,941.47 | $1,991.47 |
| 5Mar 1, 2027 | $2,791.47 | $2,156.19 | $635.28 | $516,849.83 | $800.00 | $287.42 | $512.58 | $137,447.72 | $2,941.47 | $1,991.47 |
| 6Apr 1, 2027 | $2,791.47 | $2,153.54 | $637.93 | $516,211.90 | $800.00 | $286.35 | $513.65 | $136,934.07 | $2,941.47 | $1,991.47 |
| 7May 1, 2027 | $2,791.47 | $2,150.88 | $640.59 | $515,571.31 | $800.00 | $285.28 | $514.72 | $136,419.35 | $2,941.47 | $1,991.47 |
| 8Jun 1, 2027 | $2,791.47 | $2,148.21 | $643.26 | $514,928.05 | $800.00 | $284.21 | $515.79 | $135,903.56 | $2,941.47 | $1,991.47 |
| 9Jul 1, 2027 | $2,791.47 | $2,145.53 | $645.94 | $514,282.11 | $800.00 | $283.13 | $516.87 | $135,386.69 | $2,941.47 | $1,991.47 |
| 10Aug 1, 2027 | $2,791.47 | $2,142.84 | $648.63 | $513,633.48 | $800.00 | $282.06 | $517.94 | $134,868.74 | $2,941.47 | $1,991.47 |
| 11Sep 1, 2027 | $2,791.47 | $2,140.14 | $651.33 | $512,982.15 | $800.00 | $280.98 | $519.02 | $134,349.72 | $2,941.47 | $1,991.47 |
| 12Oct 1, 2027 | $2,791.47 | $2,137.43 | $654.05 | $512,328.10 | $800.00 | $279.90 | $520.10 | $133,829.62 | $2,941.47 | $1,991.47 |
| 13Nov 1, 2027 | $2,791.47 | $2,134.70 | $656.77 | $511,671.33 | $800.00 | $278.81 | $521.19 | $133,308.43 | $2,941.47 | $1,991.47 |
| 14Dec 1, 2027 | $2,791.47 | $2,131.96 | $659.51 | $511,011.82 | $800.00 | $277.73 | $522.27 | $132,786.15 | $2,941.47 | $1,991.47 |
| 15Jan 1, 2028 | $2,791.47 | $2,129.22 | $662.26 | $510,349.56 | $800.00 | $276.64 | $523.36 | $132,262.79 | $2,941.47 | $1,991.47 |
| 16Feb 1, 2028 | $2,791.47 | $2,126.46 | $665.02 | $509,684.55 | $800.00 | $275.55 | $524.45 | $131,738.34 | $2,941.47 | $1,991.47 |
| 17Mar 1, 2028 | $2,791.47 | $2,123.69 | $667.79 | $509,016.76 | $800.00 | $274.45 | $525.55 | $131,212.79 | $2,941.47 | $1,991.47 |
| 18Apr 1, 2028 | $2,791.47 | $2,120.90 | $670.57 | $508,346.19 | $800.00 | $273.36 | $526.64 | $130,686.15 | $2,941.47 | $1,991.47 |
| 19May 1, 2028 | $2,791.47 | $2,118.11 | $673.36 | $507,672.83 | $800.00 | $272.26 | $527.74 | $130,158.42 | $2,941.47 | $1,991.47 |
| 20Jun 1, 2028 | $2,791.47 | $2,115.30 | $676.17 | $506,996.66 | $800.00 | $271.16 | $528.84 | $129,629.58 | $2,941.47 | $1,991.47 |
| 21Jul 1, 2028 | $2,791.47 | $2,112.49 | $678.99 | $506,317.67 | $800.00 | $270.06 | $529.94 | $129,099.64 | $2,941.47 | $1,991.47 |
| 22Aug 1, 2028 | $2,791.47 | $2,109.66 | $681.82 | $505,635.86 | $800.00 | $268.96 | $531.04 | $128,568.60 | $2,941.47 | $1,991.47 |
| 23Sep 1, 2028 | $2,791.47 | $2,106.82 | $684.66 | $504,951.20 | $800.00 | $267.85 | $532.15 | $128,036.45 | $2,941.47 | $1,991.47 |
| 24Oct 1, 2028 | $2,791.47 | $2,103.96 | $687.51 | $504,263.69 | $800.00 | $266.74 | $533.26 | $127,503.19 | $2,941.47 | $1,991.47 |
Make the numbers easy to share.
Your report includes this scenario, the comparison, and every assumption.
How to read this estimate
Fixed rates and regular monthly payments are assumed. Balances use full precision and are rounded only for display; actual servicing may round each payment to cents. The balloon falls immediately after the selected payment. A month-end payment day is preserved and shortened only when a month has fewer days.
Tax and insurance estimates, HOA, and servicing fees stay constant. Retained mortgage insurance ends when its balance is paid off. Mortgage payoff amounts exclude any daily interest, penalties, or lender fees. Commission percentages are editable negotiated assumptions.
This planning illustration is not a loan quote, payoff statement, or contract. Confirm property-specific financing, lender approval, costs, and tax or legal treatment with the appropriate professionals.
Ready to print or save as a PDF from your browser.
Seller financing comparison
$550,000.00 sale price · 5% fixed note · First payment Nov 1, 2026 · Payoff Oct 1, 2028
Example scenario · first payment Nov 1, 2026 · Report preview
Cash today. Proceeds over time.
Net proceeds today
$259,376.00$439,000.00 sale price, less selling costs and current mortgage payoff.
- Cash at closing
- $12,950.00
- Net monthly proceeds · 24 payments
- $47,795.34
- Net proceeds at balloon
- $376,760.50
- Total nominal proceeds
- $437,505.84
- Traditional sale price
- $439,000.00
- Seller-financed sale price
- $550,000.00
- Seller-financed price is higher by
- $111,000.00
The two scenarios use different sale prices, and that $111,000.00 price difference is part of the nominal difference above. These amounts include returned equity and arrive at different times. The comparison does not discount future payments or measure investment profit, IRR, taxes, default risk, or inflation.
First monthly payment
- Principal & interest
- $2,791.47
- Property taxes & insurance
- $100.00
- Mortgage insurance
- $50.00
- HOA dues
- $0.00
- Buyer-paid servicing
- $0.00
Taxes, insurance, HOA, and buyer-paid servicing are pass-through costs, not seller income.
Know what happens, and when.
- 1
At closing
$12,950.00$30,000.00 down, less seller costs.
- 2
24 monthly payments
$47,795.34Total net monthly proceeds, beginning Nov 1, 2026.
- 3
Payoff · Oct 1, 2028
$376,760.50Net balloon proceeds after payment 24, mortgage payoff, and deferred commission.
$2,941.47 regular payment + $504,263.69 balloon principal
$507,205.16 total dueCalculation detail
At closing
- Down payment received
- $30,000.00
- Upfront commission
- -$13,750.00
- Title estimate
- -$3,300.00
- Home warranty
- $0.00
- Seller concessions
- $0.00
- Other seller costs
- $0.00
- Mortgage payoff at closing
- $0.00
- Cash at closing
- $12,950.00
First regular month
- Buyer principal & interest
- $2,791.47
- Existing mortgage principal & interest
- -$800.00
- Seller-paid servicing
- $0.00
- Monthly net proceeds
- $1,991.47
- Interest spread
- $1,875.00
- Net principal recovery
- $116.47
Monthly net proceeds include principal recovery. Interest spread plus net principal recovery, less seller-paid servicing, equals net proceeds.
At the balloon
- Buyer remaining principal
- $504,263.69
- Existing mortgage remaining balance
- -$127,503.19
- Deferred commission
- $0.00
- Net proceeds at balloon
- $376,760.50
Traditional sale
- Sale price
- $439,000.00
- Buyer-side commission
- -$13,170.00
- Listing-side commission
- -$13,170.00
- Title estimate
- -$2,634.00
- Home warranty
- -$650.00
- Seller concessions
- -$10,000.00
- Other costs
- $0.00
- Current mortgage payoff
- -$140,000.00
- Net proceeds today
- $259,376.00
First-month seller net × 12 ÷ (buyer note principal − retained mortgage balance). Includes principal recovery; this is not IRR. N/A when the denominator is zero or negative.
Every assumption, in one place.
Sale terms
- Seller-financed sale price
- $550,000.00
- Down payment
- $30,000.00
- Buyer note interest rate
- 5%
- Amortization period
- 30 years
- Balloon after
- 24 payments
- First payment date
- Nov 1, 2026
Mortgage stays in place
- Current mortgage balance
- $140,000.00
- Mortgage interest rate
- 2.5%
- Monthly principal & interest
- $800.00
- Monthly tax & insurance escrow
- $100.00
- Monthly mortgage insurance
- $50.00
- Mortgage maturity date
- Jul 1, 2050
Monthly charges
- Annual property taxes
- $1,531.00
- Annual property insurance
- $900.00
- Monthly HOA dues
- $0.00
- Monthly servicing fee
- $0.00
Servicing paid by the buyer. Tax & insurance source: entered monthly mortgage escrow.
Seller costs
- Commission at closing
- 2.5%
- Commission at payoff
- 0%
- Title estimate rate
- 0.6%
- Home warranty
- $0.00
- Seller concessions
- $0.00
- Other closing costs
- $0.00
Traditional sale assumptions
- Traditional sale price
- $439,000.00
- Buyer-side commission
- 3%
- Listing-side commission
- 3%
- Title estimate rate
- 0.6%
- Home warranty
- $650.00
- Seller concessions
- $10,000.00
- Other closing costs
- $0.00
Mortgage reference only · not used in calculations
- Original mortgage term
- 30 years
- Original mortgage amount
- $0.00
How to read this estimate
Fixed rates and regular monthly payments are assumed. Balances use full precision and are rounded only for display; actual servicing may round each payment to cents. The balloon falls immediately after the selected payment. A month-end payment day is preserved and shortened only when a month has fewer days.
Tax and insurance estimates, HOA, and servicing fees stay constant. Retained mortgage insurance ends when its balance is paid off. Mortgage payoff amounts exclude any daily interest, penalties, or lender fees. Commission percentages are editable negotiated assumptions.
This planning illustration is not a loan quote, payoff statement, or contract. Confirm property-specific financing, lender approval, costs, and tax or legal treatment with the appropriate professionals.
Want a second look at these terms?
Bring your questions about the terms, the buyer, and how this compares with a listing or a possible purchase. Your calculator entries are not sent with this link; mention only what you choose to share.