Home Exit — Tool 06 of 08

Down Payment
Optimizer

What down payment percentage maximizes your seller finance outcome? Find the sweet spot that balances year-one tax burden, credit risk exposure, and monthly income goal — specific to your tax situation.

Your seller finance details

The optimizer models every down payment from 5% to 50% and ranks them.

Sale price

Adjusted cost basis

Existing mortgage payoff

Selling costs

Federal cap gains rate

State cap gains rate (%)

Interest rate on seller note (%)

Note term (years)

Your minimum monthly income goal from this note

Maximum year-one tax you can comfortably pay

Optimal Down Payment

—

Down payment amount

—

Cash at closing

Monthly payment to you

—

P&I on seller note

Year-one tax

—

At optimal down payment

Total interest income

—

Over full note term

Down Payment Scenarios — Ranked

Down %	Down Amt	Monthly Pmt	Yr-1 Tax	Total Interest	Meets Goals?

See the full seller finance picture.
Model your complete seller finance strategy with amortization schedule.

Seller Finance Strategy →

🎯

Your optimal down payment appears here.

Enter your seller finance details and click Find my optimal down payment.

Get weekly exit intelligence.

Join owners reading The Owner Brief — free, every week.

Down PaymentOptimizer

Down Payment
Optimizer