Ground-Up Construction Calculator

Estimate LTC, completed-value ceiling, maximum loan, and borrower capital. Construction draws fund over time.

Ground-Up Construction Calculator

Up to 95% LTC on qualifying transactions. The estimate uses land cost when the land is being acquired, or eligible verified land value when already owned. 100% eligible construction financing is separate from 100% total project financing. Construction draws fund over time — the payment illustration is a maximum/full-balance estimate.

Formula: Preliminary loan = lower of (Total Project Cost × LTC%) or (Completed Value × 75%). Monthly payment = loan × annual rate ÷ 12 (interest only, full-balance illustration).

Land purchase price (if acquiring)— optional

Current land value (if already owned)— optional

Eligible construction budget

Completed value

Interest rate (%)

Expected term (months)

This estimate is for planning purposes only. It is not an approval, commitment, term sheet, or guarantee of financing. Actual proceeds, rates, fees, and terms depend on borrower qualifications, property review, appraisal or valuation, provider guidelines, underwriting, and program availability.

Calculator results are estimates for informational purposes only and are based on the information and assumptions entered. Results are not an approval, prequalification, quote, commitment to lend, or guarantee of financing. Actual loan amounts, payments, DSCR, leverage, interest, fees, required equity, and other terms may differ following underwriting, valuation, and final program review.Legal Disclosures

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