Seller Finance Calculator

Instead of one check today, you act as the bank. We pay you every month with interest and pay off the balance later, and we cover all the closing costs. See how that compares with a cash offer.

An InvestaHaus calculator

Your numbers

Property address Sale price with seller financingBuyers usually pay more when the seller offers terms. Cash offer you could take todayWhat an investor would pay in one check. Mortgage balance

Down payment Interest rate

Payments figured over Balance paid off after

Taxes, for an investment property or second home

What you paid for it Capital gains tax rate

Used only in the after tax comparison at the bottom. Include the cost of major improvements in what you paid.

Assumptions

Savings rate on cashShows what the cash offer could grow to if you put it in the bank for the same number of years. Your monthly payments are not assumed to earn anything.

Seller financing, line by line

Cash at closing

We pay all closing costs

Monthly income

Final payoff

Cash offer today

Good to know

You are paid over time. Most of your money arrives monthly and at the final payoff, so this fits best when you do not need all the cash right away.
The home secures the loan. If the payments stop, you have the right to take the property back through foreclosure, and you keep the payments already made.
Taxes can be spread out. Because you are paid in installments, the tax on your gain may be spread over the years you collect. Ask your tax professional.
An existing mortgage matters. If you still owe on the home, the structure changes. Call us and we will walk through it with you.

After tax comparison

For an investment property or second home, where the profit on the sale is taxed. See how seller financing stacks up against a cash sale once estimated capital gains tax is counted.

Cash sale

Seller financed

Want to see an offer both ways?
We can present a cash offer and a seller finance offer on your property side by side. Call 321-986-6219.

Call 321-986-6219

These figures are estimates for discussion only and are not an offer, a commitment to purchase, or a loan. Payments use a standard fixed rate schedule of principal and interest. Actual terms are set in a written purchase agreement and promissory note.

Tax figures are rough illustrations that apply one flat rate to the profit on the sale. They leave out depreciation recapture, state taxes, the income tax on the interest you earn, and the home sale exclusion that may apply to a primary residence.

This calculator does not give legal, tax, or financial advice. Seller financing rules vary by state. Speak with a licensed attorney and a tax professional before you sign.