Commercial Mortgage Calculator
Estimate monthly debt service, DSCR and the balance due at maturity. Enter amortization and loan maturity separately: a ten-year loan can still have payments calculated over twenty-five years.
Verify this calculatorVerified
See what the result uses—and what it cannot know.
Sumvoro calculates deterministically from the visible inputs. It does not invent lender terms, local rules, market values, medical facts, or professional judgments.
- 1 · InputsCheck every entered value against the latest statement, quote, measurement, or official source.
- 2 · Formula
For monthly rate r and n amortization payments: payment = principal × r ÷ (1 − (1 + r)^−n). At zero interest, payment = principal ÷ n. DSCR = annual NOI ÷ annual debt service. The balloon is the unpaid principal at maturity. - 3 · SensitivityUse Insights to run a lower and higher case. If the conclusion changes easily, collect better information or leave more margin.
- 4 · ScopeThis tool is maintained and covered by automated calculation tests. Provider timing, rounding, and omitted facts can still change a real-world result.
- Formula release
- 2026.10-r4
- Release date
- October 10, 2026
- Review status
- Verified
- Source review
- October 10, 2026
Commercial Mortgage calculator
Commercial loans often amortize longer than their contractual maturity. Review monthly debt service, DSCR, leverage, fees, and the remaining balloon together.
- Separate amortization from maturity.
- Use lender-adjusted NOI when available.
- Plan for refinance or payoff of the balloon.
Optional readingLearn how this calculator works
How the commercial mortgage calculator works
Estimate monthly debt service, DSCR and the balance due at maturity. Enter amortization and loan maturity separately: a ten-year loan can still have payments calculated over twenty-five years.
For monthly rate r and n amortization payments: payment = principal × r ÷ (1 − (1 + r)^−n). At zero interest, payment = principal ÷ n. DSCR = annual NOI ÷ annual debt service. The balloon is the unpaid principal at maturity.
Read our calculation methodology and limitations.
Example
A $1.2 million property with $300,000 down leaves $900,000 financed. At 7.25%, amortized over 25 years but due in 10, principal and interest are about $6,505 a month and the balloon is about $712,622. Annual NOI of $110,000 gives approximately 1.41× DSCR. Closing costs and lender adjustments are separate.
Why is there still a balloon after years of mortgage payments?
- Property price
- $1,200,000
- Down payment
- $300,000
- Interest rate
- 7.25 %
- Amortization period
- 25 years
- Loan maturity
- 10 years
- Annual net operating income
- $110,000
- Estimated monthly payment
- $6,505.26
- Balloon balance at maturity
- $712,622.01
- Debt-service coverage ratio
- 1.41
- Loan-to-value ratio
- 75%
Compare contractual maturity with amortization. The balloon is principal still owed, not a second charge.
These are fictional, editable assumptions—not market quotes or personal advice.
What affects the result
- Amortization controls scheduled payment; maturity controls when the remaining balance is due.
- NOI is operating income after operating expenses, before debt service. Lenders may make different adjustments.
- A balloon is a future cash obligation, not an extra fee or a guarantee that refinancing will be available.
Helpful guides
Frequently asked questions
Why is there a balance after ten years?
The payments use the longer amortization period. Maturity ends the contract before those payments would repay all principal; the remaining principal must be paid or refinanced.
Is 1.25× DSCR always enough?
No. Minimum coverage, stress rates and eligible NOI depend on the lender and property. Enter your lender’s figures and use the result as a comparison, not an approval prediction.
Does the payment include property expenses?
The loan payment is principal and interest. Operating expenses belong in the NOI calculation; closing fees and reserves also need a separate cash budget.