Commercial Mortgage Payment Calculator

ANA›Life Services Authority›National Calculator Authority›Commercial Mortgage Payment Calculator

.calc-container { max-width: 640px; margin: 2rem 0; padding: 1.5rem; background: #fff; border: 1px solid #ddd; border-radius: 8px; box-shadow: 0 1px 3px rgba(0,0,0,0.06); font-family: system-ui, -apple-system, sans-serif; } .calc-container h3 { font-family: Georgia, serif; font-size: 1.15rem; color: #1a1a1a; margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-row { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.75rem; flex-wrap: wrap; } .calc-row label { min-width: 160px; font-size: 0.9rem; color: #333; font-weight: 500; } .calc-row input[type="number"], .calc-row select { flex: 1; min-width: 120px; max-width: 200px; padding: 0.5rem 0.6rem; border: 1px solid #ccc; border-radius: 4px; font-size: 0.9rem; font-family: system-ui, sans-serif; color: #1a1a1a; background: #fafaf8; } .calc-row input:focus, .calc-row select:focus { outline: none; border-color: var(--ac, #3d5a80); box-shadow: 0 0 0 2px rgba(26,74,138,0.12); } .calc-row .unit { font-size: 0.82rem; color: #888; min-width: 30px; } .calc-btn { display: inline-block; margin-top: 0.5rem; padding: 0.55rem 1.5rem; background: var(--ac, #3d5a80); color: #fff; border: none; border-radius: 4px; font-size: 0.9rem; font-weight: 600; cursor: pointer; font-family: system-ui, sans-serif; } .calc-btn:hover { opacity: 0.9; } .calc-result { margin-top: 1.25rem; padding: 1rem 1.25rem; background: #f0f6fc; border-left: 3px solid var(--ac, #3d5a80); border-radius: 0 6px 6px 0; display: none; } .calc-result.visible { display: block; } .calc-result-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; color: #666; margin-bottom: 0.25rem; } .calc-result-value { font-size: 1.6rem; font-weight: 700; color: var(--ac, #3d5a80); } .calc-result-detail { font-size: 0.85rem; color: #555; margin-top: 0.5rem; line-height: 1.5; } .calc-note { margin-top: 1rem; font-size: 0.8rem; color: #888; font-style: italic; } .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; margin-top: 0.75rem; } .calc-grid-item { padding: 0.6rem 0.8rem; background: #f8f9fa; border-radius: 4px; border: 1px solid #eee; } .calc-grid-item .label { font-size: 0.75rem; color: #888; text-transform: uppercase; letter-spacing: 0.04em; } .calc-grid-item .value { font-size: 1.1rem; font-weight: 600; color: #1a1a1a; } @media (max-width: 720px) { .calc-row { flex-direction: column; align-items: flex-start; gap: 0.3rem; } .calc-row label { min-width: auto; } .calc-row input[type="number"], .calc-row select { max-width: 100%; width: 100%; } .calc-grid { grid-template-columns: 1fr; } } .calc-chart { margin: 1rem 0; text-align: center; } .calc-chart svg { max-width: 100%; height: auto; } .calc-chart-legend { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.6rem 1.2rem; margin-top: 0.6rem; font-size: 0.8rem; color: #555; } .calc-chart-legend span { display: inline-flex; align-items: center; gap: 0.3rem; } .calc-chart-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; font-style: normal; } .calc-related { max-width: 640px; margin: 2rem 0 1rem; padding: 1.25rem 1.5rem; background: #f8f9fa; border: 1px solid #e8e8e8; border-radius: 8px; } .calc-related h3 { font-family: Georgia, serif; font-size: 1rem; color: #1a1a1a; margin: 0 0 0.75rem; padding-bottom: 0.4rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-related-list { list-style: none; padding: 0; margin: 0 0 0.75rem; display: grid; grid-template-columns: 1fr 1fr; gap: 0.4rem 1.5rem; } .calc-related-list li a { font-size: 0.88rem; color: var(--ac, #3d5a80); text-decoration: none; } .calc-related-list li a:hover { text-decoration: underline; } .calc-browse-all { margin: 0.5rem 0 0; font-size: 0.9rem; font-weight: 600; } .calc-browse-all a { color: var(--ac, #3d5a80); text-decoration: none; } .calc-browse-all a:hover { text-decoration: underline; } @media (max-width: 720px) { .calc-related-list { grid-template-columns: 1fr; } }

Commercial Mortgage Payment Calculator

Calculate your commercial mortgage monthly payment, total interest paid, and key loan metrics using standard amortization formulas.

Loan Amount ($)

Annual Interest Rate (%)

Amortization Period (Years)

Balloon / Loan Term (Years) (0 = fully amortizing)

Down Payment ($)

Calculate

function comCalc() { var resultDiv = document.getElementById('com_result'); resultDiv.style.display = 'none'; resultDiv.innerHTML = '';

var loanAmountRaw = parseFloat(document.getElementById('com_loan_amount').value); var annualRate = parseFloat(document.getElementById('com_annual_rate').value); var amortYears = parseFloat(document.getElementById('com_amort_years').value); var balloonYears = parseFloat(document.getElementById('com_balloon_years').value); var downPayment = parseFloat(document.getElementById('com_down_payment').value) || 0;

// --- Validation --- var errors = []; if (isNaN(loanAmountRaw) || loanAmountRaw 30) errors.push("Annual Interest Rate must be between 0.01% and 30%."); if (isNaN(amortYears) || amortYears 40 || !Number.isInteger(amortYears)) errors.push("Amortization Period must be a whole number between 1 and 40 years."); if (isNaN(balloonYears) || balloonYears 40 || !Number.isInteger(balloonYears)) errors.push("Balloon Term must be a whole number between 0 and 40 years."); if (balloonYears > 0 && balloonYears > amortYears) errors.push("Balloon Term cannot exceed the Amortization Period."); if (downPayment = loanAmountRaw) errors.push("Down Payment must be less than the Loan Amount.");

if (errors.length > 0) { resultDiv.style.display = 'block'; resultDiv.innerHTML = ''; return; }

// --- Core Calculations --- var P = loanAmountRaw - downPayment; // Principal (financed amount) var r = (annualRate / 100) / 12; // Monthly interest rate var n = amortYears * 12; // Total amortization months var t = balloonYears > 0 ? balloonYears * 12 : n; // Loan term months

// Monthly Payment (standard amortization formula) // M = P * [r(1+r)^n] / [(1+r)^n - 1] var onePlusR_n = Math.pow(1 + r, n); var monthlyPayment = P * (r * onePlusR_n) / (onePlusR_n - 1);

// Balloon Balance after t payments // B = P(1+r)^t - M[(1+r)^t - 1]/r var balloonBalance = 0; if (balloonYears > 0 && balloonYears 0 && balloonYears Balloon Payment Due (Month ' + t + ')' + fmt(balloonBalance) + ''; }

var html = '### Results ' + 'Financed Principal' + fmt(P) + '' + 'Monthly Payment' + fmt(monthlyPayment) + '' + 'Annual Debt Service' + fmt(annualDebtService) + '' + 'Loan Term' + (balloonYears > 0 ? balloonYears + ' yrs (balloon)' : amortYears + ' yrs (fully amortizing)') + '' + 'Amortization Period' + amortYears + ' years (' + n + ' months)' + 'Total Interest Paid (over term)' + fmt(totalInterest) + '' + 'Total Amount Paid (over term)' + fmt(totalPaid) + '' + balloonRow + 'Loan-to-Value (LTV)' + fmtN(effectiveLTV) + '%' + '';

resultDiv.style.display = 'block'; resultDiv.innerHTML = html; }

#### Formulas Used

Monthly Payment (M):

M = P × [r(1+r)n] / [(1+r)n − 1]

Balloon Balance (B) after t payments:

B = P × (1+r)t − M × [(1+r)t − 1] / r

Total Interest Paid = (M × t + B) − P

#### Assumptions & References

More Calculators

Read Next

Study Time Planner Authority Network America › Life Services Authority › National Calculator Authority .calc-container { max-width: 640px;...

References

Related Authorities

Life Services Authority › Professional Services Authority › Trade Services Authority › United States Authority ›