Construction Loan Calculator
Calculate construction and development financing — land cost, hard costs, total project cost, monthly payments, and LTC ratio. Up to 85% LTC available.
Construction loans finance ground-up development and major rehab projects. Our calculator helps you model the full project including land acquisition and construction budget, so you can validate the deal before submitting it.
Enter the land cost (purchase price) and construction budget. The calculator computes the total project cost, your LTC ratio, monthly interest carry on drawn funds, and total holding cost over the construction period.
Construction loan rates currently range from 8-12% with terms of 12-24 months. Maximum LTC is 85% of total project cost. Funds are released in draws as construction milestones are completed, and you only pay interest on drawn amounts.
What You Can Calculate
Total project cost
LTC ratio with visual gauge
Monthly interest payment
Total construction carry cost
Pre-qualification check (85% LTC max)
Land + hard cost breakdown
Ready to calculate?
Run the numbers in seconds, then submit your deal and get financing options within 24 hours.