Hard Money Loan Calculator
Last updated: July 2026
Estimate a hard-money loan amount, cash required, interest-only payment, points and total financing cost for a property project.
Estimated hard-money loan amount
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- Cash required before other closing costs: —
- Monthly interest-only payment: —
- Lender points: —
- Total interest and points: —
On this page
Quick summary: Estimate a hard-money loan amount, cash required, interest-only payment, points and total financing cost for a property project. Enter the requested values, calculate, review the result, and compare more than one realistic scenario before making a decision.
Read the complete guide
What this calculator estimates
Estimate a hard-money loan amount, cash required, interest-only payment, points and total financing cost for a property project. It is designed for fast planning and comparison in the United States. The output is an estimate, not a binding quote, approval, tax determination, insurance offer or professional recommendation.
How to use it
Enter the requested values using a single consistent time period and currency. Select Calculate, review the headline result and supporting figures, then change one assumption at a time to compare another scenario.
How the calculation works
The estimated loan equals total purchase and rehab cost multiplied by the entered financing percentage. Interest is modeled as interest-only, with points charged on the initial loan amount.
Important limitations
Hard-money underwriting often uses purchase-price LTV, after-repair value, draw schedules and reserves rather than one simple percentage. Appraisal, inspection, legal and extension fees are not included.
Frequently asked questions
Is the result exact?
No. It is a planning estimate based on the assumptions entered.
Can I compare different scenarios?
Yes. Change one input at a time so you can see which assumption changes the result.
Does the calculator store my inputs?
The calculation runs in the browser and does not require an account. Avoid entering unnecessary confidential information.