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Loan Parameters
For illustrative purposes only — not a current rate quote.
Amortization Period
Loan Maturity
Payment Type
DSCR Calculator (optional)
NOI after operating expenses — taxes & insurance are not deducted again.
Estimated Results
Real Estate Loan Summary
Monthly P&I Payment
$3,694.96
Based on 25-year amortization
First 6 Payments
| # | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $3,694.96 | $569.96 | $3,125.00 | $499,430.04 |
| 2 | $3,694.96 | $573.52 | $3,121.44 | $498,856.52 |
| 3 | $3,694.96 | $577.11 | $3,117.85 | $498,279.41 |
| 4 | $3,694.96 | $580.71 | $3,114.25 | $497,698.70 |
| 5 | $3,694.96 | $584.34 | $3,110.62 | $497,114.36 |
| 6 | $3,694.96 | $588.00 | $3,106.96 | $496,526.36 |
Educational projection only. Actual terms depend on property type, location, and lender underwriting criteria.
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Frequently Asked Questions
A balloon payment is the lump-sum balance remaining at the end of the loan's maturity term. Commercial real estate loans often have a shorter maturity (e.g., 10 years) than their amortization period (e.g., 25 years), so borrowers make regular payments based on the longer schedule and pay the remaining balance as a balloon at maturity.
The amortization period is the full schedule over which your monthly payments are calculated. The loan maturity is the actual term before the balloon is due. Payments are calculated as if you were paying off the full amortization schedule, but at maturity you must pay the remaining balance in full.
No. This calculator provides educational projections only. Actual commercial real estate loan terms — including rates, LTV limits, amortization schedules, and balloon structure — are determined by the lender based on property type, location, borrower financials, and market conditions.
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