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Mortgage & Home Loans · Alternative & Specialty

Construction Loan Calculator

Interest during the build plus the permanent mortgage payment once it converts.

  • Free to use here · embed on the Free plan
  • 7 inputs · 6 results
  • English & Spanish

Try the Construction Loan Calculator

Estimate a construction-to-permanent loan — results update as you type.

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Estimates only — not a loan offer or financial advice.

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What this calculator does

What the Construction Loan calculator works out

The Construction Loan Calculator is a free, embeddable calculator from CalcFunnel. Interest during the build plus the permanent mortgage payment once it converts.

You enter 7 inputs: land cost, construction cost, down payment / equity, construction rate (%), construction period (months), permanent loan rate (%) and permanent loan term (years).

It returns permanent monthly payment, total project cost, construction-period interest, avg monthly interest-only payment (build), total interest (perm loan) and loan amount.

Built for loan officers, brokers and homebuyers. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category.

Results it shows

  1. 01Permanent Monthly Payment
  2. 02Total Project Cost
  3. 03Construction-Period Interest
  4. 04Avg Monthly Interest-Only Payment (build)
  5. 05Total Interest (perm loan)
  6. 06Loan Amount

The first figure — permanent monthly payment — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Project Costs

Land Cost
The purchase price of the land your home will be built on — included in the total project cost and eventual permanent loan.
Construction Cost
The total estimated cost to build the home, including labor and materials but excluding the land.
Down Payment / Equity
Cash or land equity you put in. It is applied to the land first, then to construction; the rest is borrowed. Most construction-to-permanent loans require 10–20% down.

Construction Phase

Construction Rate (%)
The annual interest rate charged during the construction period — typically higher than a permanent mortgage rate.
Construction Period (months)
How long the building phase is expected to last — interest accrues on drawn funds during this time.

Permanent Loan

Permanent Loan Rate (%)
The annual interest rate on the mortgage that replaces the construction loan once the home is complete.
Permanent Loan Term (years)
The number of years over which the permanent mortgage will be repaid after construction is finished.

For your website

Embed this calculator on your website

Put the Construction Loan Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Construction Loan calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Construction Loan Calculator calculate?
Interest during the build plus the permanent mortgage payment once it converts. It returns permanent monthly payment, total project cost, construction-period interest, avg monthly interest-only payment (build), total interest (perm loan) and loan amount.
Q.02What information do I need to use the Construction Loan Calculator?
You enter 7 inputs: land cost, construction cost, down payment / equity, construction rate (%), construction period (months), permanent loan rate (%) and permanent loan term (years). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Land Cost” mean in the Construction Loan Calculator?
The purchase price of the land your home will be built on — included in the total project cost and eventual permanent loan.
Q.04What does “Construction Cost” mean in the Construction Loan Calculator?
The total estimated cost to build the home, including labor and materials but excluding the land.
Q.05Is the Construction Loan Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category. Compare plans.
Q.06Can I embed the Construction Loan Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Construction Loan Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Construction Loan results financial advice?
No. Estimates only. Construction interest assumes any financed land is outstanding from day one and build funds are drawn evenly (about half outstanding on average); your real draw schedule will differ. Confirm terms and conversion details with your lender.

Related mortgage & home loans calculators

All 43 in Mortgage & Home Loans

Your website does the math. You get the lead.

The Construction Loan Calculator is one of 188 calculators you can brand and embed with one line of code.

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  • 14-day trial on Pro & Business
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