Tommy DobczykOpportunity Zone Advisor, OZ Wizard · Director of Development | Certified Opportunity Zone Advisor

Unlock Loan Secrets: Balloon Payments & Amortization Explained! #shorts

5 Aug 2026 · 1 min

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In this short video, Tommy Dobczyk walks viewers through a loan scenario, highlighting key payment calculations. He first presents an estimated total of $92,000 in regular payments over a 24‑month period, followed by a projected balloon payment of about $510,000, leading to an overall payout of roughly $603,000 when amortization is used. He notes that switching to an interest‑only structure would alter these figures. He then shows how a $90,000 down payment reduces the monthly payment to $3,654 and lowers the combined 24‑month payments plus balloon to about $569,000. The segment emphasizes how amortization, down payments, and payment structures affect total loan cost.

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Sorry. Just hit the X up at the top with your left. It'll pull it back in. So option 1 shows that they're going to get an estimated total payments over 24 months of about $92,000. And then we'll have an estimated balloon payment of $510,000. And so they'll walk away with $6,000— $600,000— $603,000. $603,000. And that's because of the amortization. If we did that interest only, it's going to change it. Change it again. We'll do it in a minute, but let's just run through this. Giving them $90,000 down brings us down to a payment of $3,654. And at the end, total payout after 24 months, plus the balloon, they went down in price a little bit. It's going to be $569,000.