Estimate monthly interest-only payments, points, upfront fees and the principal balloon for one fully funded fixed-rate loan. This models a particular payment structure, not every hard-money or bridge product.
What this baseline models
Local workspace
No local scenario yet
Your first valid edit or Use example creates Property 1 · Base scenario.
Public calculator · no account required
A particular payment structure: fully funded, fixed rate, interest-only throughout, principal repaid at maturity. Editing the term selects full-term interest-only payments and synchronizes the stored balloon month. Supported ranges are numerical limits, not recommended terms or lender eligibility.
Monthly interest-only payment
$2,500.00
Paid monthly in arrears; principal stays unchanged
Principal balloon
$250,000.00
Due in month 12
Final maturity cash
$252,500.00
Balloon plus final regular interest payment
Total financing cost
$36,500.00
Scheduled interest plus upfront fees; excludes principal
Upfront financing fees are not total cash to close. Financing cost is not project total cost, profit or return.
Open an unsaved browser preview that stays in its URL. It will not replace your active local scenario.
The compressed scenario stays in the link fragment and is decoded in your browser. Use the report's print action to print or save it as a PDF.
This models a particular payment structure, not every hard-money or bridge product. One fully funded, fixed-rate US/USD loan pays interest monthly in arrears beginning one month after origination. Principal stays outstanding until maturity. All scheduled payments are on time; unpaid interest is neither capitalized nor compounded. Loan labels do not change the formulas.
Points are charged once on original principal. Points and other fixed financing fees are paid separately upfront, not financed or deducted from principal. Fixed fees exclude entered points: avoid double counting. Upfront financing fees are not total cash to close; financing cost is not project total cost, profit or return. Principal repayment is not financing cost.
Decimal intermediates remain unrounded; money rounds half-up to cents. Totals use unrounded interest, not the displayed monthly payment multiplied by months, so rounded components can differ by cents. Final maturity cash includes the final regular interest payment, which is already counted in total interest and is never added twice.
No amortizing or mixed payments, staged rehab draws, daily accrual or date conventions, retained interest reserves, financed fees, variable rates, extensions, early payoff or minimum interest, penalties/default interest, APR/IRR, lender qualification, LTV/LTC/ARV sizing, profit/exit forecasts or offer comparison.
Only the separate bridge loan role supplies these terms. Mortgage, Rental ROI, DSCR and Maximum Loan do not include bridge payments automatically. Flip Profit's aggregate financing cost is not overwritten. Commercial Loan uses separate acquisition terms; navigation does not transfer bridge terms. Stored amortization is preserved but does not drive these full-term interest-only payments.
Deterministic checks based only on this scenario's inputs and outputs.
The entire principal remains due in month 12, even when the interest rate is zero.
A sale, refinance or extension is not guaranteed. The principal balloon is separate from the final regular interest payment.
Check the lender's accrual, fee and repayment provisions against this particular payment structure. The displayed interest rate is not APR.
Each row reruns the engine at −1, −0.5, 0, +0.5 or +1 percentage points with other inputs fixed. Unsupported rates outside 0–100% and unsafe totals are omitted. Principal and upfront fees remain unchanged. These are scenarios, not rate forecasts or recommended terms.
| Rate change | Annual rate | Monthly payment | Total financing cost |
|---|---|---|---|
| -1.00% | 11.00% | $2,291.67 | $34,000.00 |
| -0.50% | 11.50% | $2,395.83 | $35,250.00 |
| Base | 12.00% | $2,500.00 | $36,500.00 |
| +0.50% | 12.50% | $2,604.17 | $37,750.00 |
| +1.00% | 13.00% | $2,708.33 | $39,000.00 |
Formula reference
Money is displayed in USD and rates are entered as percentages where applicable. Formula version hard-money-bridge-loan@1.0.0 stays attached to the result.
r = a / 12; M = P × r; I = M × T
P is principal in USD, a is the normalized nominal annual interest rate and T is contractual term in whole months. Interest-only payments do not reduce principal.
Q = P × q; U = Q + F
q is normalized points and F is other fixed upfront financing fees in USD. Points are charged once on original principal. Points and other fixed financing fees are paid separately upfront, not financed or deducted from principal. Fixed fees exclude entered points: avoid double counting. Upfront financing fees are not total cash to close; financing cost is not project total cost, profit or return. Principal repayment is not financing cost.
B = P; final maturity cash = P + M
Principal balloon B is due in month T, together with that month's regular interest M. Principal remains due even at zero interest.
C = I + U; scheduled loan payments = P + I; loan payments and fees = P + I + U
Decimal intermediates remain unrounded; money rounds half-up to cents. Totals use unrounded interest, not the displayed monthly payment multiplied by months, so rounded components can differ by cents. Final maturity cash includes the final regular interest payment, which is already counted in total interest and is never added twice.
Example scenario
At 12% nominal annual interest, 2% points and $1,500 other fixed upfront fees. Editable assumptions, not recommended terms. Rendering does not save; select Use example to save.
Open the example in the calculatorMonthly interest-only payment
$2,500.00
Scheduled interest
$30,000.00
Upfront fees
$6,500.00
Principal balloon in month 12
$250,000.00
Final maturity cash
$252,500.00
Total financing cost
$36,500.00
Scheduled loan payments
$280,000.00
Loan payments plus fees
$286,500.00
FAQ
No. Labels do not define payment terms. This calculator models one fully advanced fixed-rate loan, monthly interest-only payments for the entire term and original principal due at maturity. Check the actual contract against these assumptions.
The balloon is principal only. Final maturity cash also includes the last monthly interest payment. That interest is already included in scheduled interest and is never added twice to totals.
Points are charged once on original principal and fixed fees are paid once. Changing the modeled term from 12 to 6 months halves scheduled interest, but leaves monthly interest, upfront fees and the final maturity cash unchanged. This is not an early-payoff calculation.
No. Upfront financing fees exclude purchase cash, reserves and other project costs. Financing cost excludes principal and is not profit or return. The nominal interest rate excludes fees and is not APR; this calculator does not compute APR.
Bridge terms remain in their own workspace role. Other loan roles are preserved, Commercial Loan continues to use acquisition terms, and Flip Profit's aggregate financing cost is not automatically overwritten.
Read the supporting methodology, then compare this result with another view of income, financing, or project returns. Each calculator uses its own transparent assumptions.