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Balloon Mortgage Calculator

Model a short-term balloon with long-term amortization and payoff amount.

Useful for builders and investors planning a refi or sale before term end.

Short-term payoffMonthly P&IBalloon balance shown

Calculator Inputs

Adjust the scenario to fit your deal.

$
%
%
years
years
%
$

Results

Monthly payment

$3,034

PITI based on amortization

Balloon due

$360,053

5-year payoff

Interest paid pre-balloon

$130,240

Monthly breakdown

Principal & Interest
$2,545
Property taxes
$393.75
1.05% of price
Homeowner's insurance
$95

Upfront + payoff

Down payment
$67,500
Estimated closing costs (3%)
$13,500
Principal paid before balloon
$22,447
Balloon balance
$360,053

Balloon payments assume standard amortization for the chosen term; refinancing risk remains at balloon date.

⚠️ Important Disclaimer

This is a self-generated calculator result and provides estimates only. Results may vary based on individual circumstances, market conditions, and lender requirements. For accurate financial advice and loan qualification, please consult with a licensed real estate agent or mortgage professional.

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