Owner Finance Land Payment Calculator
Estimate monthly payments for owner-financed rural land. Compare Basic, Enhanced, Premium, and Diamond plans instantly. No credit check — everyone approved.
Land Payment Calculator
Adjust the land price and term — see your estimated monthly installment for each plan instantly.
$249 one-time doc fee included in totals.
Enhanced Plan — Full Breakdown
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 Basic plan starts at $999 down (fixed). Enhanced — our most popular — is 5% down with a 5% discount, Premium 10% down with 10% off, Diamond 20% down with 20% off. 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 10.99% annually (Basic). 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.
Instant Estimates
Adjust any price from $5,000 to $500,000. Monthly payment updates in real time as you switch plans and terms.
Three Term Options
Compare 5-year, 10-year, and 20-year installment schedules side by side on any price.
No Bank Needed
All plans are direct purchase agreements — no credit check, no bank qualifying, no underwriting.