Capital Gap Calculator

Formula

Total capital need − Primary loan − EMD − Borrower cash − Other capital = Capital gap

Input Definitions

Total capital need: Purchase price + closing costs + rehab/construction budget
Primary loan: Expected first-position loan proceeds
EMD: Earnest money already paid toward the transaction
Borrower cash: Liquid cash the borrower can contribute
Other capital: Any other committed capital sources

Purchase price

Closing costs

Rehab/construction budget

Primary-loan proceeds

Earnest money paid

Borrower cash available

Other committed capital

Estimated Capital Gap

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.

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