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Bridge Loan Payment Calculator
Bridge loans are short-term, interest-only loans used to bridge financing gaps. This calculator prices the monthly payment, origination fee, and total cost so you can budget for the bridge period accurately.
Monthly payment
$1,619
Due at payoff / sale
$185,000
Total financing cost
$13,413
interest + origination
Origination fee
$3,700
Total interest
$9,713
How the math works
Bridge loans are short-term (typically 3-12 month) facilities at higher rates used to span a gap: buy before sell on a move-up purchase, close on a property before permanent financing, or fund a rehab before refinance. Typical rates 9-13% plus 1-3% origination.
Interest-only is the standard structure — the bridge principal is repaid as a balloon when the underlying event occurs (sale closes, refinance funds). Make sure the bridge term gives comfortable buffer vs the expected payoff event; extensions usually carry extra fees.
How to Use
- Enter bridge loan amount.
- Enter rate. Bridges typically run 9-13%.
- Enter term — 6-9 months common; 12+ for larger projects.
- Enter origination fee percentage.
- Pick payment structure.
Frequently Asked Questions
When should I use a bridge loan?
Buy-before-sell on a move-up purchase, fast close on an investment property, or bridging a construction-to-perm gap. Make sense when the higher rate for short period is less than the cost of waiting or losing the deal.
What's a realistic bridge rate?
Consumer bridges from banks: 8-10%. Private/hard money bridges: 10-14%. Plus 1-3% origination. Institutional bridges for commercial real estate can go lower (7-9%) but require more documentation.
What if the payoff event is delayed?
Extension fees typically 1-2% per extension period. Some bridges also have default rates (2-5% above note rate) that kick in past maturity. Budget a cushion — don't assume best-case timing.
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Bridge Loan Calculator
Size a bridge loan against current-home equity and model interest-only, accrued, or amortized payments with a balloon payoff at sale.
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