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Planning tool

Construction Loan Payment Calculator
Useful assumptions.

Explore equity, construction-period interest, fees, permanent debt service, balloon balance, and sensitivity scenarios.

Versioned planning model

Construction and permanent-loan planning

Adjust the known inputs. The result remains a conceptual planning range.

Cost basisMidwest / South-central preliminary planning assumptionsEffectiveJuly 2026Assumption set2026.07.1
Conceptual result • Preliminary confidence$1,400,000 estimated construction loan

2.02x planning DSCR after conversion

Required cash equity$600,000
Estimated construction-period interest$70,000
Origination and entered fees$40,000
Estimated permanent monthly payment$9,895
Balloon balance$1,100,000
Payment at +1%$10,805
Payment at +2%$11,749
Why the result moved
  • 70% loan to cost
  • 55% average utilization
  • 12-month construction period
  • 7% permanent rate
  • 25-year amortization and 10-year term

Important limitation. This educational model is not a loan offer, commitment, underwriting decision, prediction of available terms, tax opinion, or financing advice. Lender draw procedures, eligible costs, indexes, spreads, guarantees, reserves, covenants, fees, and conversion terms vary.

Planning estimate only.

Calculator results are conceptual ranges, not bids, guarantees, engineering opinions, or financial advice. Actual requirements depend on verified scope, existing conditions, selections, access, market pricing, design, and approvals.