Bridge Loan Calculator
Calculate monthly interest payments, origination points, and total financing costs for short-term residential and commercial bridge loans.
What this calculator does
The Bridge Loan Calculator estimates your result instantly from the values you enter, using standard loans formulas. Calculate monthly interest payments, origination points, and total financing costs for short-term residential and commercial bridge loans. Calculations run in your browser, so nothing you type is sent to a server, and the output is an estimate for planning rather than financial advice.
About Bridge Loan Calculator
The Bridge Loan Calculator computes interest-only payments, upfront points, and total borrowing costs for short-term bridge loans used to purchase a new property before selling an existing home.
Formula & Mathematical Calculation
Monthly Interest Payment = ( Bridge Loan Amount × Annual Interest Rate ) / 12
Total Bridge Loan Cost = ( Monthly Interest × Months ) + ( Loan Amount × Origination Points % ) + Closing Fees
Calculation Example
$200,000 Bridge Loan @ 9.5% (6-Month Term, 2 Points = $4,000): Monthly Interest = $1,583.33/mo. Total 6-Month Interest = $9,500. Total Financing Cost = $13,500.
Key Benefits
- Calculates monthly interest-only payments for 3 to 12 month bridge loans
- Includes upfront origination points and administrative fees
- Helps homebuyers bridge the gap between selling and buying
- Applicable to residential and commercial bridge financing
- Fast and private calculation
How to Use this Calculator
-
Enter Bridge Loan Amount
Input requested bridge financing amount. -
Enter Interest Rate & Term
Input annual interest rate and expected duration in months. -
Include Origination Points
Enter lender points percentage (typically 1-3%). -
Calculate Total Cost
Click Calculate to view monthly payment and total borrowing expense.
Assumptions & Limitations
What the calculation assumes
- Every value you enter is treated as an exact, known amount.
- Rates and contributions are assumed to stay constant for the whole period unless the form asks for them separately.
- Results use standard financial formulas and ignore fees, penalties and promotional terms that are not entered above.
- Inflation, tax changes and market volatility are not modelled unless a field for them is provided.
- Amounts are unit-agnostic: results are returned in the same currency you enter.
What it does not cover
- Bridge Loan Calculator produces estimates for education and planning, not a quote, offer or professional advice.
- Real-world outcomes differ when fees, taxes, rounding rules or provider-specific terms apply.
- Local regulations and tax rules vary by country and change over time; verify current rules for your jurisdiction.
- Figures are only as accurate as the inputs you supply — check them before acting on the result.
- For decisions with lasting financial impact, confirm the numbers with a qualified professional.