Finance Tools

Farmland Loan Amortization Calculator

Create a farmland loan amortization schedule showing monthly payment breakdown, interest vs principal, and remaining balance over time.

This farmland loan amortization calculator shows a detailed monthly breakdown of payments over time. It helps land buyers understand how interest and principal change throughout the life of a farmland loan.

Farmland loan amount

Amount financed (principal)

Annual interest rate (APR %)

Example: 6 means 6% APR

Loan term (years)

Repayment period in years

How this calculator works

Monthly rate = APR ÷ 12
Total payments = years × 12
Each payment is split into interest and principal
Interest decreases as the remaining balance declines

Assumptions & notes

Fixed APR assumed
Principal + interest only
Land loan fees and taxes are excluded
Lender rounding may differ slightly

Frequently asked questions

Is farmland financing different from a home mortgage?
Yes. Farmland loans often have different terms, rates, and down payment requirements.

Why is interest higher early in the loan?
Interest is calculated on the remaining balance, which is highest at the beginning.

How to use this farmland loan amortization calculator

Enter the farmland loan amount.
Enter the annual interest rate (APR).
Enter the loan term in years.
Click calculate to view the amortization schedule and interest breakdown.

Example

For a farmland loan of $400,000 at 6% APR over 25 years, this calculator shows:

Estimated monthly payment.
Monthly interest vs principal split.
Remaining balance over time.
Total interest paid over the loan term.

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