Construction-to-Permanent Loan Calculator
Estimate your total project cost, loan amount, and down payment for a one-time-close construction-to-permanent loan — built for consumers exploring their own build.
Alabama & Georgia · Conventional, FHA & VALoan Program
Build & Lot Costs
Total from your builder's contract — construction, lot prep, well/septic, driveway, and soft costs.
Construction Terms
A cushion for cost overruns during the build. 2% is standard; some programs require 5% for higher-risk projects.
Interest Reserve
Covers interest-only payments on drawn funds during the build, so you're not paying out of pocket while your home goes up. These assumptions are editable estimates — your lender will confirm exact figures.
Funds are drawn in stages, not all at once — this estimates the average outstanding balance.
Fees & Loan Amount
Covers your lender's draw inspections and disbursement management during the build. Typically $4,000–$15,000 depending on project size, term, and lender — get your exact quote before relying on this number.
Total Estimated Purchase Price / Appraised Value
$0
Cost to build + lot value + contingency + fees + interest reserve (if rolled in)
Loan-to-Value (LTV)
0%
Estimated Down Payment / Investment
$0
Project Cost Breakdown
Cost to build
$0
Lot value
$0
Construction contingency
$0
Construction management fee
$0
Interest reserve
$0
Total purchase price / appraised value
$0
Loan & Cash-to-Close
Recognized lot equity
$0
Loan amount
$0
3rd-party/misc. fees
$0
Estimated down payment / minimum investment
$0
Educational estimate only, not a loan approval or commitment. Interest reserve is calculated as (loan amount × interest rate × average draw utilization ÷ 12) × construction term — a standard construction-loan estimating method, not a specific lender's quote. Construction management fees, exact LTV limits, and lot-equity treatment vary by lender and must be confirmed with your loan officer.