Owner Financing Calculator & Guides

Owner financing tools for buyers and sellers

Model owner finance payments, agree on terms, then manage the note in OwnerFi Pro after closing.

Choose your path:

Who owner financing is for

Homeowners ready to owner finance a sale, buyers seeking owner financing when conventional loans are out of reach, investors using owner will carry structures, and agents coordinating creative purchase terms.

How owner financing works with our tools

Calculate — run monthly payment and amortization for owner finance terms.
Screen / agree — invite buyers to prequal and document the deal.
Manage the note — track payments and documents in OwnerFi Pro after closing.

What people say

"Clear numbers before we offered seller financing."

- Seller

"Helped us model payments when the bank said no."

- Buyer

Owner finance your sale and keep predictable income

Use owner financing to close with qualified buyers. Estimate proceeds, screen applicants, and create the note in OwnerFi Pro when you are ready.

Estimate cash at closing and remaining note balance
Invite buyers to prequal
Manage owner-financed loans after closing

Create seller account Open seller tools

Sellers: owner finance with confidence

Screen buyers and manage the note after closing

Buy with owner financing—see the payment first

The owner financing calculator below estimates monthly payment, interest, and balloon timing. Complete prequal when a seller or agent invites you in OwnerFi Pro.

Model owner finance monthly payments
Understand amortization and balloons
Collaborate on docs and payments after closing

Create buyer account Try owner financing calculator

Buyers: owner financing when banks won't

Run the payment calculator, then complete prequal

Use the owner financing calculator below to estimate monthly payment and amortization. For seller-side proceeds modeling, open the free tools in OwnerFi Pro.

Log In Create New Account

Owner Financing Calculator

Enter loan terms to see monthly payment and amortization schedule. Start date is assumed to be the 1st of next month ().

Initial loan amount ($)

Interest rate (%)

Amortized Over (Term in Years)

Balloon term (in years)

Interest-only period (months, optional)

Estimated monthly payment: $0.00

Amortization schedule

Learn more about owner financing

Explore our Blog for owner financing guides, calculators, and closing tips— or visit About.

After closing: manage owner-financed notes in OwnerFi Pro

OwnerFi Pro centralizes payments, messages, documents, late fees, and re-amortization for owner-financed loans—so both sides stay aligned.

Why OwnerFi Pro for owner-financed loans

From the Blog

Managing owner-financed notes after closing
Payment tracking, messages, and documents for owner-financed loans after you close.
What does owner will carry mean?
Owner will carry means the seller finances the purchase—how it differs from a bank mortgage.
How to buy a house with owner financing
Buyer steps for owner financing: affordability, down payment, credit expectations, and prequal.

No documents listed yet. Check back soon.

Open owner financing tools

Payment calculators, proceeds estimates, and more—free in OwnerFi Pro.

Open free tools on app.ownerfi.app Create free account