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VTB Sale Profit Analysis Calculator

Use this calculator to analyze the potential profit between a typical real estate sale and a "Seller Financed Sale" from Amansad Financial Inc. This is for illustration purposes only. It is recommended that you work with an Amansad designated realtor.

VTB Sale Profit Analysis Calculator Definitions

Fair market value (asking price)
This is the price that the home will sell for in a normal transaction. This price is used in calculating all results for the non-blended sale in the comparison.
Appraised value (sales price)
This is the price that the home will sell for in a blended sale type transaction. This price is used in calculating all results for the blended sale in the comparison.
Discount
Enter an amount or percentage discount on the purchase price to apply to the sale. This reduces the final sale price.
Funds received
Enter the percentage that the buying will be paying at closing, not included any amount that is being financed as part of the blended transaction. This is typically 90%.
Mortgage balance
This is the existing mortgage balance on the real estate being sold. This balance will be paid before any amounts are received by the seller.
VTB Financing term
The term in years for the mortgage provided by seller financing.
VTB Interet rate
Interest rate for the mortgage provided by seller financing.
Final sale price
Final sale price, after any discounts, to the buyer.
Realtor commission
Estimated realtor commission for the seller. FSBO sales are assumed to have no realtor commission. Otherwise the commission is calculated as 7% on the first $100,000 and 3.5% remaining balance. This expense will be paid before any funds are received by the seller.
Net funds
Net funds received by the seller after paying off mortgage, legal fees and any realtor commissions. For sales with a seller financed mortgage, the net funds received at closing is reduced by the mortgage amount.
Difference
Difference in the net funds received by the seller at closing. For the sale with a seller financed mortgage, the net amount is reduced by any mortgage amount extended to the buyer.
Amount financed
Total amount financed by the seller.
Monthly payment
Monthly payment for the financed balance. This is calculated using semi-annual compounding of interest and interest only monthly loan payments.
Total interest
Total interest that will be paid on the seller financed mortgage if all payments are made and the loan is not paid off early.
Total profit
Total profit is net funds to the seller including the interest and principal payments on the seller financing.
Sale type
Type of sale to compare. Realtor sales have to pay a commission, For Sale by Owner (FSBO) are assumed to have no realtor commission.