Construction Project Financing Calculator
Estimate financing options for renovations, remodels, construction projects, and teardown / infill properties. Built to help you understand likely financing, cash needed, lender path, and the overall strength of the deal.
1. What type of project are you planning?
Choose the project type that best matches what you are planning.
2. Tell us about the property
These details help frame how the project will be evaluated.
3. Current property details
Start with the property value, purchase basis, and any debt already secured against it.
4. Project budget
Enter the expected budget for the work being planned.
Budget and financing inputs
Fees and staging assumptions
Construction and remodel modes use inspection and holdback assumptions in the draw preview below. Land mode shifts attention to carry and exit pressure instead.
5. Progress and remaining budget
Use this section when work is already underway or when remaining cost matters to the lender.
5. Teardown / infill details
For land and infill deals, lenders often focus primarily on the site, exit plan, and holding risk.
6. Estimated value and financing
Set the expected finished value and financing assumptions used to estimate the likely financing range.
7. Available funds and equity
Enter the cash and equity resources available to support the project.
8. Mortgage default insurance estimate
Applies to certain owner-occupied purchases and refinances where mortgage default insurance may be required.
9. Estimated draw schedule
For construction-style projects, this shows a sample staged funding approach.
| Stage | Gross Draw | Holdback | Inspection | Net Advance |
|---|
9. Land carry and holding pressure
For land projects, this estimates carrying costs and hold pressure.
10. Helpful checks
These checks help flag inputs that may need a second look.
11. Your financing snapshot
Review the estimated financing, cash needed, lender path, and overall project strength as your inputs change.
How the project may be funded
Borrower contribution vs lender support vs remaining gap
Overall deal strength
Based on equity, funding pressure, and project complexity
Financing path
Prime / Alternative / Private
Next step
Supporting details
12. What this means
This layer explains what is driving the result, what a lender will focus on, and what would most improve the deal.
What’s Driving This Result
What a Lender Will Focus On
What Would Improve This Deal
13. See how changes could affect the result
Test how the structure behaves if costs rise, value softens, or rates move higher.
Want help reviewing this project?
I can help you review the financing structure, identify the likely lender path, and flag issues before you apply.
Summary will populate here.