Important Notice Disclaimer:
This Owner Finance Calculator is provided strictly for general information and convenience. All payment estimates, amortization breakdowns, interest totals, and financial summaries generated by this tool are approximations based solely on user-entered values. Actual owner-financing arrangements may differ significantly depending on interest rates, term length, amortization schedules, balloon provisions, servicing requirements, escrow obligations, tax/insurance costs, late fees, and other negotiated terms.
 

This calculator does not produce any legally binding figures, loan disclosures, promissory notes, deeds of trust, or amortization schedules. It is not a replacement for lender disclosures, legal advice, financial counseling, or professional underwriting. Users should seek guidance from a qualified Texas attorney, licensed mortgage professional, or financial advisor prior to entering into any owner-financed transaction.