Construction loan calculator
What will it take to build?
Enter your deal numbers to estimate the cash needed and see whether the financing fits.
Your numbers
Updates as you typeMore settings & borrower details
Leverage limits and financing costs are planning assumptions. Actual eligible costs, draws and reserves vary by lender.
Construction loan calculator: common questions
How do I estimate ground-up construction financing?
Enter land acquisition, hard construction costs, soft costs, contingency, completed value and requested loan amount. The construction calculator estimates loan-to-cost, loan-to-completed-value, financing carry and cash needed. Interest carry assumes an average 50% loan utilization over the construction term.
What is the difference between LTC and LTARV?
Loan-to-cost (LTC) compares the construction loan with modeled development costs. Loan-to-after-repair value (LTARV) compares it with the estimated completed value. The lower loan limit controls this calculation. Appraised land equity, eligible costs and cash-contribution rules depend on the lender.
Can a first-time investor or foreign national get construction financing?
Eligibility is lender-specific and is not verified here. Select the borrower and experience profile to apply illustrative planning caps and review notes. Confirm sponsor experience, whether GC or JV experience is accepted, required liquidity and reimbursement-draw rules before relying on terms.
THE PERSON BEHIND THE NUMBERS
Meet Alexa Kemp, MBA
I help investors compare financing for rental properties, renovations and ground-up construction. Have a deal that needs a closer look? Let’s talk through the numbers.
Alexandra Kemp · NMLS #1990457