Hey Mychael,
Could be either of those, pretty common to go. Just below the rocker cover is an upper timing chain cover which is sealed by gasket goo usually. I fixed mine easily by making a new gasket out of the hi-temp silicone (the red stuff)
As for the harmonic balancer oil seal, thats an easy fix. Remove the drivers side wheel and then also the inner plastic guard liner - this will expose the harmonic balancer. Trying to crack that can be a pain, I used a rattle gun. Remove that and you'll see the seal. Fit a new one and presto!
I had to fix both of those at the same time not that long ago.
Stick your head under and you can usually spot where its coming from, or trace it.
Could also be a lose oil filter thats dropping oil onto your driveshaft and flicking up.
Gimme a yell if you need a hand.