Owner Finance Land Payment Calculator

Estimate your monthly payments for owner-financed rural land. No credit check — everyone approved. Compare our Diamond, Platinum, and Premium plans instantly.

Land Payment Calculator

Adjust the land price and term — see your estimated monthly installment for each plan instantly.

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$5K$200K

$249 one-time doc fee included in totals.

Premium Plan — Full Breakdown

List Price
$25,000
Discount
10% ($2,500 off)
Contract Price
$22,500
Down Payment
$999 fixed
Doc Fee
$249
Due Today
$1,248
Balance to Pay Off
$21,501
Annual Rate
9.99%
Term
10 yr (120 payments)
Monthly Installment
$284.02
Total Finance Charge
$12,581

Direct purchase agreement — no bank, no credit check, everyone approved. Close in 48 hours.

Owner Finance Land Payment FAQ

How does owner financing work for land?+

You purchase directly from the seller via a contract for deed — no bank, no credit check, no lender involved. You make monthly installment payments directly to the seller. You can use the land from day one and receive the deed once the balance is paid off.

What is the down payment for owner financed land?+

Our Premium plan starts at $999 down (fixed). Platinum requires 10% down, Diamond 20% down — both plans also earn a discount off the list price. A one-time $249 doc fee applies to all plans.

What rate is used to calculate payments?+

Contract rates range from 8.99% annually (Diamond) to 9.99% annually (Premium). These are direct-purchase contract terms set by the seller — no bank qualifying required.

Can I pay off the land early?+

Yes. There is no prepayment penalty. Paying off early reduces your total finance charge and transfers the deed sooner.

How long are the payment terms?+

We offer 5-year, 10-year, and 20-year installment terms. Shorter terms mean higher monthly payments but less total cost. Use the calculator above to compare.