Real Estate Investing
Construction Loan Calculator
Estimate costs for a construction-to-permanent loan. See interest-only payments during the build phase (based on average draw balance) and your permanent mortgage payment after the construction converts to a standard loan.
Construction Payment (avg)
$1,416.67
Permanent Payment
$2,661.21
Total Project Cost
$500,000.00
Loan Amount
$400,000.00
Down Payment
$100,000.00
Construction Interest
$17,000.00
Permanent Interest
$558,035.59
Total Interest
$575,035.59
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Payment Breakdown
Principal
$400,000.00 (41.0%)
Interest
$575,035.59 (59.0%)
How This Calculator Works
During construction, interest is charged only on funds drawn. Average draw is estimated at 50% of the construction loan (linear draw schedule). After completion, the loan converts to a standard amortizing mortgage on the full amount.
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Disclaimer: This calculator provides estimates for informational purposes only. Results are based on the information you provide and standard financial formulas. Actual loan terms, rates, and payments may vary. This is not financial advice. Please consult with a qualified financial professional and verify all figures with your lender before making borrowing decisions.