Seller Financing Calculator: Run The Numbers Before You Make The Offer.
In a seller financing deal, the seller carries the financing and you pay them directly on terms you negotiate together. This free calculator tells you in under 60 seconds whether those terms cash flow: enter the purchase price, monthly payment, and market rent, and get your monthly spread, cash-on-cash return, and deal score instantly.
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How The Seller Financing Calculator Works
Built for deals where the seller is the bank. Three numbers in, full analysis out.
Enter 3 numbers
Purchase price, the monthly payment you would pay the seller (PITI), and market rent. The monthly spread and deal score appear instantly.
Total your cost of entry
Down payment to the seller ($0 works), closing costs, renovation budget, first-year insurance, and a 3-month payment reserve. This unlocks your true cash-on-cash return.
Pick your exit
Standard rental or rent-to-own, side by side on the same deal. A tenant-buyer's option deposit can recover most or all of your entry cost.
📊 Analyze the terms
- Purchase price & payment to seller
- Monthly spread vs. market rent
- Vacancy & maintenance stress test
- Cash-on-cash return
- Deal score (0-100)
🚀 Supercharge the exit
- Rent-to-own option deposit
- Move-in cash collected
- Boosted cash-on-cash return
- Back-to-even timeline
- Side-by-side comparison
| Rental Exit | + Rent-to-Own Exit | |
|---|---|---|
| Monthly Cash Flow | $387 | $387 |
| Upfront Cash | $0 | +$18,000 |
| Cash-on-Cash Return | 8% | 37% |
| Deal Score | 74/100 | 91/100 |
"I like it! I'm under contract for another seller finance deal in Knoxville today and used it. The side-by-side really makes the rent-to-own numbers obvious."
Haley McLaughlin, CFP Student, currently under contractNegotiate With The Numbers In Front Of You
Seller finance terms are negotiable. The calculator shows you which lever moves the deal.
The spread rule
Market rent minus your payment to the seller is the deal's engine. $300+ a month scores strong. Below $100, renegotiate the payment before you commit.
Entry cash is the divisor
Every dollar you keep out of the deal raises your cash-on-cash return. The calculator totals down payment, closing, repairs, insurance, and reserves so nothing hides.
Run it on the call
No download, no login. Run the seller's numbers while you are still on the phone with them and counter with terms that actually cash flow.
Frequently Asked Questions
What is seller financing?
Seller financing (also called owner financing) means the seller carries the financing instead of a bank. You agree on a price, a monthly payment, and terms, and you pay the seller directly. No new bank loan is involved, which is why the numbers can be structured so flexibly.
How do I calculate a seller financing deal?
Start with three numbers: the purchase price, the monthly payment you would pay the seller (including taxes and insurance), and the market rent. If rent minus payment leaves a healthy monthly spread, the deal cash flows. Then add your down payment, closing costs, and repairs to see the true cash-on-cash return.
Can I run a zero-down seller finance deal?
Yes. The down payment field accepts $0. The calculator totals whatever your actual cost of entry is, including closing costs, repairs, first-year insurance, and a 3-month payment reserve, so a low-down structure shows its real numbers.
What monthly payment should I offer the seller?
Work backward from the market rent. Inside this calculator, a monthly spread of $300 or more between rent and your total payment scores as strong, $100 to $300 is tight, and below $100 the terms need renegotiation before the deal works.
What is a good cash-on-cash return on a seller finance deal?
Cash-on-cash return is annual cash flow divided by the cash you put in. 8 to 10 percent is solid. Seller finance deals often reach far higher returns because the cash needed to enter is smaller than a bank-financed purchase.
Does the calculator handle wrap mortgages?
Yes. It was built for terms deals: seller financing, subject-to existing financing, wrap mortgages, and lease options. It also compares a standard rental exit against a rent-to-own exit side by side on the same deal.
Is the seller financing calculator free?
Yes. Enter your name, email, and phone number and access is sent to you instantly. There is no paid version.
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