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Note Value Calculator

Price a seasoned seller-financed note using target yield and remaining payments.

Estimate what a note buyer might pay based on discount rate and seasoning.

Seasoned balanceYield-based priceDiscount/premium

Calculator Inputs

Adjust the scenario to fit your deal.

$
$
%
years
months
%

Results

Estimated note value

$171,008

Target yield 9.00%

Current balance (seasoned)

$216,250

Discount/Premium vs balance

$45,242

79.1% of balance

Current LTV

72.1%

Value: $300,000

Note terms

Note rate
6.50%
Scheduled payment
$1,390.55
Remaining term
342 months
Payments made (seasoning)
18 months

Value & yield

Buyer target yield
9.00%
Price as % of balance
79.1%
Discount/Premium
$45,242
Proceeds to seller
$171,008

Collateral snapshot

Property value
$300,000
Current balance
$216,250
Current LTV
72.1%

Assumes fully amortizing fixed-rate note with no balloon. Uses present value of remaining payments at buyer yield.

⚠️ 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.