https://yacht.loans/ Boat and yacht loan calculator with balloon, tax and insurance, plus lenders' published terms, survey and USCG documentation steps. en-us https://yacht.loans/guides/balloon-boat-loans/ https://yacht.loans/guides/balloon-boat-loans/ Sat, 24 Oct 2026 00:00:00 GMT A balloon loan figures payments over more years than the term, so a lump sum is due when the term ends. A worked example with every assumption shown. https://yacht.loans/guides/boat-insurance-for-financing/ https://yacht.loans/guides/boat-insurance-for-financing/ Sat, 24 Oct 2026 00:00:00 GMT Truist requires physical damage coverage with a loss-payable clause in its favor. What lender pages say, what to ask your agent, and the calculator. https://yacht.loans/guides/boat-loan-down-payment-and-credit/ https://yacht.loans/guides/boat-loan-down-payment-and-credit/ Sat, 24 Oct 2026 00:00:00 GMT NMLA lenders typically ask 10 to 20 percent down. Published score floors: Trident 600+, Southeast 575, Truist none for secured loans. https://yacht.loans/guides/boat-loan-interest-deduction/ https://yacht.loans/guides/boat-loan-interest-deduction/ Sat, 24 Oct 2026 00:00:00 GMT IRS Publication 936 (2025) counts a boat with sleeping, cooking and toilet facilities as a home. The second-home rules and the $750,000 limit. https://yacht.loans/guides/boat-sales-tax-guide/ https://yacht.loans/guides/boat-sales-tax-guide/ Sat, 24 Oct 2026 00:00:00 GMT On a $600,000 boat, Florida's 6% state tax would be $36,000 but caps at $18,000. Caps in NC, SC, MD, NJ and VA, worked through. https://yacht.loans/guides/buying-a-boat-step-by-step/ https://yacht.loans/guides/buying-a-boat-step-by-step/ Sat, 24 Oct 2026 00:00:00 GMT The order of a financed boat purchase: offer subject to survey and financing, deposit, survey and sea trial, title or USCG documentation, insurance, closing. https://yacht.loans/guides/coast-guard-documentation-and-preferred-mortgage/ https://yacht.loans/guides/coast-guard-documentation-and-preferred-mortgage/ Sat, 24 Oct 2026 00:00:00 GMT Boats of 5 net tons or more can be documented (46 CFR 67.5) and carry a preferred mortgage. Eligibility, filing, NVDC fees and forms. https://yacht.loans/guides/how-long-can-you-finance-a-boat/ https://yacht.loans/guides/how-long-can-you-finance-a-boat/ Sat, 24 Oct 2026 00:00:00 GMT Longest boat loan terms by lender, from 180 to 240 months, and what 10 versus 20 years does to an example $400,000 loan. https://yacht.loans/guides/marine-survey-for-a-boat-loan/ https://yacht.loans/guides/marine-survey-for-a-boat-loan/ Sat, 24 Oct 2026 00:00:00 GMT Navy Federal requires a marine survey on every used boat it finances. How to find a SAMS or NAMS surveyor and what the lender reads in the report. https://yacht.loans/guides/used-boat-loans/ https://yacht.loans/guides/used-boat-loans/ Sat, 24 Oct 2026 00:00:00 GMT Truist takes boats up to 10 or 15 model years old, Trident about 20, and DuPage caps 2019-and-older boats at 60 months. Plus surveys and unsecured loans.