Finance category
Mortgage, loan, investing, tax, and money calculators.
Blended Loan Fee Calculator
Loan fees stack across tranches. This calculator blends total fees into effective rate bump.
Total fees $
$325,000
Effective rate bump (bps)
65
Fees (bps of balance)
325
How the math works
Total = origination + exit + commitment × years. Effective bump = total bps ÷ years.
Compare lender quotes on all-in effective rate. A low rate with high fees may cost more than high rate with low fees — always compute after-fee coupon.
How to Use
- Enter loan balance.
- Enter origination bps.
- Enter exit bps.
- Enter commitment bps.
- Enter loan term years.
- Read blended fee.
Frequently Asked Questions
Fee types?
Origination (1-2% of commitment, upfront). Exit (50-200 bps, at payoff). Commitment (25-75 bps on unused). Extension (25-75 bps each year). Sum all into total cost of capital calc.
Effective rate bump?
Spread fees over loan term for effective interest rate bump. A 1% origination on 5-year loan = ~20 bps annually. Fee-inclusive coupon is true cost of capital.
Negotiating?
Origination and extension fees most flexible. Exit fees usually firm unless refinancing with same lender. Try fee offsets against rate adjustments when lender wants rate lock.
How does this interact with the rest of the capital stack?
Each tier of the stack affects the next. Senior debt constrains LTC and DSCR. Mezz and pref consume equity spread. Interest rate hedges protect DSCR but cost premium. Always model the full stack holistically — optimizing one tier alone often degrades another. Institutional underwriters run three or four scenarios across the stack before committing capital.
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