Tell us what you need.
Share the property, approximate value, existing mortgage, and the cash you need at closing. Monthly income, a shorter payoff, and flexibility for a move can lead to different proposals.
Nationwide seller financing · House Buying SolutionsSell your house.
Sell your house.
Keep a payment stream.
Explore a down payment now and monthly payments over time. If you do not need all your equity at once, selling to HBS with owner financing may give you another way to move forward.
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You become the lender for the financed portion. Future payments carry risk, so the numbers and the documents both matter.
Seller-Finance Calculator
What could the payments look like?
Use a rate that reflects your alternative return and risk assumptions. This is your comparison input, not an offered investment return.
Illustrative monthly payment$1,618.79
Illustrative down payment$15,000
Total scheduled payments (through balloon)$392,389
Total scheduled interest$122,389
Balloon payment (final payoff)$236,985
Total scheduled receipts, including down payment$407,389
Present value of scheduled receipts at 8%$254,736
Illustrative terms only. This is not an offer, projection, or tax advice. Future payments are not equivalent to the same amount of cash today (present value). Actual terms are negotiated per property. It does not model default, servicing cost, enforcement cost, taxes, insurance, or the probability of a balloon payoff. Present value discounts scheduled receipts to today and includes the down payment; it does not model defaults. Consult your CPA and an attorney in the property’s state.
A sale with a different payment structure
What changes when you carry the note?
Instead of receiving the full purchase price at closing, you receive the agreed down payment and finance a portion of the purchase. The buyer owns the property after closing and owes you the scheduled payments under the signed documents.
Example term sheetNot an offer
- Purchase price
- $300,000
- Down payment at closing
- $30,000
- Financed balance (your note)
- $270,000
- Monthly principal and interest
- $1,618.79
- Balloon due at year 8
- $236,985
96 monthly payments of $1,618.79then $236,985
In this example the buyer makes 96 monthly payments of $1,618.79 over 8 years, then pays the remaining $236,985 balance as a balloon.
- 01 / 05
Agree on the price.
The agreed price for the property. A larger total of future payments is not the same as more cash today.
- 02 / 05
Receive the down payment at closing.
Instead of the full purchase price, you receive the agreed down payment. Your cash at closing may be reduced by loan payoff and costs.
- 03 / 05
Carry the balance as a note.
The buyer owns the property after closing and owes you the scheduled payments under the signed documents.
- 04 / 05
Receive monthly payments.
In this example each scheduled payment covers principal and interest. Taxes, insurance, and servicing should be addressed separately.
- 05 / 05
Plan for the balloon.
The remaining financed balance is due on an agreed date. A lower monthly payment can leave a large balloon, so review the buyer’s payoff plan.
Compare a written illustration.
Review the down payment, financed balance, rate, monthly payment, and any balloon together. Ask what happens in an early payoff or missed-payment scenario.
Close on terms you understand.
Your attorney and CPA review the proposed structure. The closing professionals coordinate title, documents, and recording. Set up payment servicing and recordkeeping before closing.
Start with fit
Would monthly payments work for your life?
Worth a conversation
You have room to receive equity over time.
- You own the property free and clear or have enough equity for a workable payoff.
- You want to explore income after selling a rental.
- You can meet your next purchase or moving needs without all the sale proceeds.
- You understand and can tolerate repayment and liquidity risk.
Consider a full cash exit
You need certainty about cash available now.
- You need nearly all your equity for another purchase or other obligations.
- You do not want to monitor payments or carry default risk.
- An existing loan or lien prevents a workable structure.
- You would struggle if payments stopped or a balloon were delayed.
More than a monthly number
Six parts of a seller-finance proposal.
Purchase price
The agreed price for the property. A larger total of future payments is not the same as more cash today.
Cash at closing
The down payment, less any payoff and seller costs. Check whether that leaves enough for your next move.
Monthly payment
The scheduled amount and whether it includes principal and interest. Taxes, insurance, and servicing should be addressed separately.
Term and balloon
When the balance must be paid off. Compare that date with the amortization period used to calculate payments.
Security and servicing
The note, recorded security, lien priority, payment records, insurance requirements, and who handles late payments.
Present value and risk
What the future payments are worth to you today after allowing for time, repayment risk, and the cash you need now.
A $300,000 price is not $300,000 in your bank at closing.
For example, a $30,000 down payment leaves $270,000 financed before other adjustments. Your cash at closing may be reduced by loan payoff and costs. The remaining principal is paid over time under the note. This is an arithmetic example, not an HBS offer.
Make an informed decision
Bring your own advisors to the table.
Your attorney should review the documents and requirements in the property’s state, including security, recording, lien priority, and default remedies. Your CPA should review basis, interest, gain, depreciation recapture, and the proposed payment timing.
Do not assume a seller-financed sale bypasses an existing lender’s restrictions. Any outstanding loan needs its own review.
Before you decide
Seller-finance questions, answered.
Yes. Owners across the United States can start a seller-finance conversation with HBS. We review each property, existing debt, proposed terms, and the requirements in its state. Nationwide availability means you can inquire; it does not guarantee approval or a purchase of every property.
A paid-off house usually gives more flexibility. If there is a mortgage, share the approximate balance. Existing debt, payoff requirements, and lender restrictions need review before a structure can be proposed. Seller financing does not automatically transfer or replace your existing loan.
A note involves repayment risk. Your attorney should explain the security instrument, lien priority, default notices, enforcement process, cost, and time under the law that applies to your property. Security can support your remedies, but it does not guarantee timely payment or an immediate recovery of the house.
In a completed sale, ownership transfers to the buyer. You hold the agreed payment obligation rather than continue owning the rental. Confirm maintenance, taxes, insurance, payment servicing, and your rights in the signed documents. Receiving note payments still requires oversight and carries default risk.
Yes. Price, down payment, financed balance, interest, amortization, and any balloon are parts of the discussion. Your need for cash at closing and the buyer’s ability to perform must both fit the proposal. Calculator settings are examples, not offered rates or approved terms.
It does not guarantee tax savings. Some eligible gain may be reported as installment payments are received, while interest, depreciation recapture, debt, and other rules can change the result. Ask your CPA to compare the actual proposed transaction with a cash sale before you sign.
It is the remaining financed balance due on an agreed date before the balance would otherwise be fully repaid by regular payments. A lower monthly payment can leave a large balloon. Review the buyer’s payoff plan and the risk that refinancing or resale may not happen as expected.
No. The initial conversation and illustration are a starting point. A purchase requires agreed terms, property and title review, and signed documents. You can compare, ask questions, or decline.
Your property. Your priorities.
Let’s see what a payment structure could look like.
Start with the address and state. Rough numbers are fine. Tell us what you need now and what you would like to receive over time.
We review properties nationwide. Availability and terms depend on the property, existing debt, buyer underwriting, and applicable requirements. Your initial illustration is for comparison and is not a binding purchase offer.
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