Compare Ongoing Income: Compare a negotiated payment stream with taking all proceeds in a lump sum.
Some sellers need liquidity at closing but also want to compare scheduled payments. A proposed seller-finance structure may combine a negotiated down payment, informed by payoff, moving costs, or estate obligations, with payments scheduled after closing. Payment performance remains uncertain.
The planning can start with your close-table cash requirement. Any remaining financed balance may be documented in a promissory note, with rate, amortization, payment schedule, and any balloon negotiated by the parties and reviewed by counsel.
Closing timing depends on title, payoff needs, documents, and negotiated terms; a seller-finance structure is not automatically as fast as cash.
- Immediate down payment can solve short-term liquidity needs
- Remaining balance may become scheduled payments under documents reviewed by counsel
Model the structure in the calculator, then request an educational property illustration showing down payment, scheduled payments, rate, balloon, and present-value context.
Open CalculatorRequest IllustrationRelated guides
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- Sell a Florida House That Needs Major Repairs Without Paying for the Fixes First
- All reasons sellers carry the note
Educational content, not tax or legal advice. Review any structure with your CPA and attorney. Questions first? Call 727-497-7766.