Question : Calculate a balloon payment

How do I calculate this:  a 10 year loan at 8.75% for 165000, a balloon payment after 3 years?

Answer : Calculate a balloon payment

What are the monthly payments ? Without that info, you can't calculate the balloon payment.

If you know them, you'll get it from the FV function

=fv(rate,nper,pmt,pv,type)

which in your case assuming a monthly payment of, say,  $99 is this:

=fv(8%/12,3*12,-99,75000,true)    

(the last parameter (true or false) is about fine-tuning the details of when the payments are made.)

Note that money you RECEIVE is positive (like the  loan that you get) and money you PAY is negative (like the payments)