Construction Loan Calculator
Estimate project cost, equity, LTC, completed-value LTV and construction-period financing.
Land & Project Costs
Construction loans are typically funded through draws. This calculator uses an estimated average outstanding balance to approximate construction-period interest.
LTC = Loan ÷ Total Project Cost (land basis + construction costs).
As-Completed LTV = Loan ÷ As-Completed Value.
Estimated as Project Cost − Loan Amount. Lenders may treat land equity differently toward required contribution.
This calculator is for informational and illustrative purposes only. Results are estimates and do not constitute a loan approval, commitment to lend or quote. Draw schedules, LTC/LTV limits, equity treatment and program requirements vary by lender.
What the construction calculator estimates
Estimate land-basis project cost, land equity, loan-to-cost, completed-value LTV, project equity and draw-based construction-period interest using an editable average outstanding balance.
Information used
Main inputs include land basis and value, construction and soft costs, completed value, loan amount, rate, term and average balance percentage.
Draw timing and interest costs vary by project and lender; this estimate is not a draw schedule or loan offer.