Commercial Mortgage Calculator
Last updated: October 15, 2026
Estimate monthly payment and balloon balance for a commercial real estate loan.
Monthly payment
—
- Estimated balloon balance: —
- Payments made before balloon: —
On this page
Quick summary: Estimate monthly payment and balloon balance for a commercial real estate loan.
Read the method, example and limitations
Updated reference sections in this guide are in English.
Guide language: English. Updated October 15, 2026.
What this calculator estimates
The Commercial Mortgage Calculator estimates payments for financing used to purchase or refinance commercial property. It provides a base amortization estimate for comparing principal, rate, term, and amortization assumptions.
Inputs and units
Enter Loan amount ($), Annual interest rate (%), Amortization period (years), Balloon term (years). Use the units shown. Required fields cannot be blank. Use zero only where that field and the model allow it. Select Calculate after changing the values.
Method and assumptions
Monthly payment is computed over the amortization period. The balloon balance is the present value of scheduled payments remaining after the balloon term. At 0% interest, the payment is principal / amortization months and the remaining balance declines equally each month.
Worked example
A 12,000 loan with two-year amortization and a one-year balloon at 0% has a 500 payment, 6,000 paid before the balloon and a 6,000 balloon balance.
Limitations
The balloon term cannot exceed the amortization period. Terms must represent whole months. The estimate excludes lender fees, taxes, insurance, variable rates, prepayments and maturity extensions.