Plan with clarity
Estimate bridge-loan interest, fees and monthly carrying costs. See usable proceeds and the cash left after a planned property sale repays the debt.
Starting values are examples, not current rates or lending terms.
No sign-up required. Calculations run in your browser. Saved scenarios last only while this page stays open.
Understand the numbers
Change an assumption above to see what moves the result. Save a scenario to compare it with your next calculation.
Put the estimate to work
This calculator models one fixed-rate, interest-only advance with monthly interest payments and repayment of principal at exit. Identify which property secures the bridge, which debts remain and which payoffs come out of the advance. Financed fees increase principal; fees or payoffs deducted at closing reduce usable proceeds. Loan proposals can use a different fee basis or repayment structure.
Enter the other monthly payments and property costs you expect to carry while the bridge remains outstanding. A buyer moving between Florida homes may need to budget for both properties, including insurance, taxes and association charges. The tool adds bridge interest separately. Extend the modeled period to see the impact of a delayed sale; do not assume an extension will be available.
The sale estimate deducts entered selling costs, retained debt and bridge principal from the expected sale price. It excludes monthly carrying costs already paid along the way. A negative result is an exit shortfall. Lower the sale price and lengthen the timeline to examine the risk. Residential consumer-purpose and commercial bridge financing require different reviews, even when the arithmetic is similar.
Bridge interest per month = interest-bearing bridge balance × annual note rate ÷ 12. Net sale proceeds = sale price − selling costs − retained debt − bridge principal.
A simple example. A $200,000 interest-only balance at an illustrative 9% rate costs $1,500 in monthly interest. Over six months that is $9,000 before fees and other carrying costs; the $200,000 principal is still due.
Calculation model reviewed September 8, 2026. Examples are hypothetical.
Common questions
Use the estimate to prepare your questions, then review the property, documentation and financing terms with a mortgage broker.
Owner-occupied bridge loan guide · Commercial bridge loan options
Schedule a consultationYes, to budget an interest-only scenario before discussing the financing structure. It does not determine consumer-loan eligibility, available equity, collateral requirements or approval for the new home mortgage.
The interest, fee and exit arithmetic can help with a single-advance scenario. Commercial underwriting, NOI, staged renovation draws, lease-up and refinancing need separate analysis. Use the commercial mortgage calculator for debt-service and amortizing-balloon comparisons.
No. Retained debt remains outstanding and is repaid at sale. If part of the advance pays a mortgage at closing, enter that payoff separately and remove it from retained debt so the same debt is not counted twice.
Increase the exit period to see additional monthly carrying costs. The tool assumes the same rate and approved term throughout; it does not promise an extension or include extension fees, default charges or a future refinance.
Compare Florida bridge loans, equity requirements, costs and closing timelines. Learn how to plan for overlapping payments and a delayed sale.
Read guide
Explore bridge loan rates, costs, and financing strategies for Florida real estate investors and homeowners seeking short term funding, incl pricing factors.
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