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Loan-to-Cost Calculator (USA)

Size a construction, rehab, or development loan. See your maximum loan as the lesser of an LTC cap (vs. total project cost) and an LTV cap (vs. after-repair value), plus equity required, interest reserve, and projected return on equity.

For estimation purposes only. Loan sizing, LTC/LTV caps, and reserves vary by lender. Consult a licensed lender for terms.
1 Project costs
% hard
2 Loan sizing
%
50%75%100%
%
40%65%90%
3 Loan terms & returns
%
4%11%18%
mo
%
% ARV
Maximum loan amount
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Enter your details and click Calculate
Deal highlights
Loan amount —
Loan-to-cost (LTC) —
Loan-to-value (LTV) —
Equity required —
Projected profit —
Return on equity —
Project cost breakdown
Calculate to see breakdown
Project costs
Land / acquisition—
Hard costs—
Soft costs—
Contingency—
Closing & other—
Total project cost—
Loan sizing
Max by LTC—
Max by LTV—
Binding constraint—
Actual LTC—
Actual LTV—
Loan amount—
Equity & financing
Equity required—
Origination fee (points)—
Interest reserve (est.)—
Total financing cost—
Total cash required—
Return analysis
After-repair value (ARV)—
Selling / exit costs—
Return on cost—
Return on equity—
Profit margin (on ARV)—
Projected profit—
Visualizations
Sources & uses of funds
Capital stack
Disclosure: This calculator provides estimates for informational purposes only and does not constitute financial advice or a loan commitment. The interest reserve is an estimate based on the selected draw model; actual reserves, LTC/LTV caps, fees, and terms depend on your lender and underwriting. Consult a licensed lender before proceeding.