Construction Loan Calculator

Plan your building project with accurate payment estimates and draw schedules

Loan Details
$
Please enter a valid loan amount (minimum $1,000)
%
Please enter a valid interest rate (0.1% - 30%)
Loan Terms
Construction period must be between 3 and 60 months
Number of draws must be between 1 and 24
Draw Schedule
Specify the percentage of the loan amount for each draw. Total must equal 100%.
0%
Additional Options

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Understanding Construction Loans

Construction loans are specialized financing options designed to help you build your dream home or commercial property. Unlike traditional mortgages, these loans release funds in stages (draws) as your project progresses. Our calculator helps you understand:

  • Monthly payment estimates based on your draw schedule
  • Total interest costs during construction
  • Impact of different draw schedules on your payments
  • Complete amortization schedule with principal and interest breakdown

Why Use Our Construction Loan Calculator?

Make informed decisions about your construction project by understanding the financial implications of different loan scenarios. Our calculator accounts for:

  • Variable draw schedules based on construction milestones
  • Interest-only payments during the construction phase
  • Standard construction loan fees and interest reserves
  • Conversion to fully amortizing payments after construction

Construction Loan Tips

Draw Schedule Planning

Carefully plan your draw schedule to align with major construction milestones. This helps ensure you have funds available when needed while minimizing interest costs.

Interest Reserve Benefits

Consider including an interest reserve in your loan amount to cover interest payments during construction, helping manage cash flow while your project is underway.

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