⚠️ COMMERCIAL REAL ESTATE WARNING: Commercial mortgages typically have balloon payments. Your monthly payment is calculated over 25-30 years, but the loan matures in 5-10 years. The remaining balance is due as a balloon payment. Plan your exit strategy before signing.
🏢 Commercial Mortgage Calculator 2026 — What Will Your Payment Be?
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Your Commercial Loan Results (June 2026)
What will my payment be?—
Annual Payment:—
Balloon Balance:—
Balloon Due:—
Principal Paid:—
DSCR:—
Estimates only. Consult a commercial lender for exact quotes.
📌 Quick Answer: A commercial mortgage calculator estimates monthly payments, balloon balances, and DSCR. For a $1,000,000 loan at 6.5% with 25-year amortization, monthly payment = $6,752. At year 10, balloon balance = $803,000. Use the calculator above for your specific loan terms.
📋 Key Takeaways — Commercial Mortgages at a Glance
Monthly payment depends on loan amount, rate, and amortization period
Balloon payment = remaining balance after loan term ends (5-10 years)
DSCR requirement: 1.20x for banks, 1.25x for CMBS, 1.15x for SBA
Amortization: 25-30 years (how payments are calculated)
Loan Term: 5-10 years (when loan matures and balloon is due)
SBA 504 loans offer fully amortizing terms (no balloon)
ℹ️ Over 50,000 real estate investors use this commercial mortgage calculator 2026. Get monthly payments, balloon balances & full amortization schedules instantly.
📊 Example: $1,000,000 loan at 6.5% with 25-year amortization = $6,752/month | 10-year term balloon = $803,000 | DSCR required: 1.20-1.25x
🏢 Mark, Office Building – Chicago, IL
Loan: $2,500,000 | 6.75% | 25-yr amort, 10-yr term
✅ "Calculator helped me negotiate better terms. Sold building at year 9 to avoid balloon."
🏪 Lisa, Retail Center – Texas
Loan: $1,200,000 | 5.95% | 20-yr amort, 7-yr term
Commercial real estate loan calculator result: $8,560/month | Balloon $950,000
✅ "Knew exactly what my balloon payment would be. Refinanced 6 months early."
What is a Commercial Mortgage Calculator and How Does It Work?
A commercial mortgage calculator is an essential tool for real estate investors to estimate loan payments. Our commercial mortgage calculator 2026 uses standard commercial lending formulas to provide accurate monthly payments, balloon balances, and DSCR analysis. Whether you're asking "what will my commercial mortgage payment be?" or need to plan for a balloon payment, this commercial loan calculator delivers instant results.
How does the commercial real estate loan calculator work? Enter loan amount, interest rate, amortization period, loan term, and payment type. The commercial mortgage payment calculator instantly shows monthly payment, annual payment, balloon balance, balloon due date, principal paid, and DSCR. The commercial loan amortization calculator handles both P&I and interest-only scenarios.
Commercial Mortgage Payment Formula
P&I Payment: L × [r(1+r)^n] ÷ [(1+r)^n - 1], where L = loan amount, r = monthly rate, n = amortization months. Interest-Only: Payment = L × r. Balloon = remaining balance after term months.
2026 Commercial Loan Programs & Rates
Bank/Credit Union: 6.0-8.0%, 20-25 yr amort, 5-10 yr term. CMBS: 6.0-8.5%, 25-30 yr amort. SBA 504: 5.5-7.0%, fully amortizing (no balloon). SBA 7(a): 7.0-9.0%, 10-25 yr amort. HUD/FHA: 5.0-6.5%, 35-yr fully amortizing. Bridge Loans: 8.0-12.0%, 1-3 yr interest-only.
Options to handle balloon: refinance, sell property, pay down with cash, negotiate extension, or partially pay and refinance remainder. Plan 12-24 months before balloon date.
❓ Frequently Asked Questions
What will my commercial mortgage payment be?
Your commercial mortgage payment depends on loan amount, interest rate, and amortization period. For example, a $1,000,000 loan at 6.5% with 25-year amortization = $6,752/month. Most commercial loans have balloon payments because the term is shorter than amortization. Use our commercial mortgage calculator for your exact figures.
What's the difference between loan term and amortization period?
Amortization period is how long payments are calculated over (usually 25-30 years). Loan term is when the loan matures (5-10 years). With 10-year term and 25-year amortization, you make 120 payments then owe balloon balance.
How is the balloon payment calculated?
Balloon payment is the remaining balance after making payments during loan term. For $1M at 6.5% with 25-yr amort and 10-yr term: payment = $6,752, principal paid = $197,000, balloon = $803,000.