Hard Money Loan Calculator
Estimate Cash Needed for Your Next Deal
Simply enter your experience level, purchase price, and rehab costs to see your total project cost, required down payment, fees percentage, and estimated cash required. It’s a fast, simple way to evaluate whether your next investment property makes financial sense before applying for a hard money loan.
*This calculator provides an estimate only. Final loan terms are subject to underwriting, property review, and borrower approval.
What's Next? Get Pre-Approved
Our pre-approval process is fast and easy. We’ll create an account for you in our system so that funding your future deals is quicker and hassle-free. The best part is that when you are pre-approved before getting a deal under contract, we’ll waive your $1000 Account Setup Fee just for planning ahead!
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Want to see what our loans actually look like?
We created a real-world example of a first-time borrower’s hard money loan so you can see how our numbers work, what terms look like, and what you can expect when partnering with us.
Frequently Asked Questions
How accurate is a hard money loan calculator?
A hard money loan calculator provides a strong estimate based on the information entered, including purchase price, rehab costs, and borrower experience level. While it helps investors understand their estimated down payment, lender fees, and total cash required, final hard money loan terms are subject to underwriting, property evaluation, and borrower approval. Our hard money loan calculator is designed to give real estate investors a clear starting point before submitting a deal for review.
How much cash do I need for a hard money loan?
The amount of cash required for a hard money loan depends on several factors, including your experience level, total project cost, purchase price, and rehab budget. Most hard money lenders require a down payment plus lender fees, and investors are typically responsible for covering closing costs. Our hard money loan calculator helps you quickly estimate your total cash-to-close so you can evaluate whether a deal aligns with your investment strategy.
Do hard money loans cover rehab costs?
Yes, many hard money loans are structured to fund both the purchase price and rehab costs of an investment property. Loan terms are typically based on the total project cost and the borrower’s experience level. Funds for renovations are often distributed in draws as work is completed. Using a hard money loan calculator allows you to see how financing both acquisition and rehab impacts your required cash investment upfront.
What is the difference between a hard money loan and a traditional bank loan?
Hard money loans are asset-based loans designed specifically for real estate investors. Unlike traditional bank loans, hard money loans focus primarily on the property and deal strength rather than long income documentation and credit-based underwriting. They are typically faster to close and more flexible, making them ideal for fix-and-flip or value-add investment projects. A hard money loan calculator helps investors understand how this type of financing may impact their deal compared to conventional lending options.
Who should use a hard money loan calculator?
A hard money loan calculator is ideal for real estate investors who want to quickly analyze potential deals before submitting them to a lender. Whether you are a first-time investor evaluating your first flip or a seasoned professional scaling your portfolio, using a hard money loan calculator helps you estimate your cash required, assess risk, and structure smarter offers. It’s a simple tool that can save time and provide clarity when considering hard money loans.
What factors affect hard money loan terms?
Hard money loan terms are typically influenced by the borrower’s experience level, property type, purchase price, rehab budget, and overall deal strength. More experienced investors may qualify for improved leverage or reduced fees. By using our hard money loan calculator, you can see how experience tiers impact your estimated down payment and total cash required for the project.
How Our Hard Money Loan Calculator Helps You Structure Smarter Hard Money Loans
When evaluating investment properties, understanding your financing structure is critical — especially when using hard money loans. Our Hard Money Loan Calculator was built specifically for real estate investors who need a quick and reliable way to estimate their cash-to-close amount before submitting a deal. Unlike traditional bank financing, hard money loans are designed for speed and flexibility, often funding purchase price and rehab costs based on investor experience and deal strength. By entering your purchase price, estimated rehab budget, and borrower experience level, this hard money loan calculator provides a clear snapshot of your total project cost, required down payment, lender fees, and total cash required toward the project. Whether you’re a first-time borrower or a seasoned pro borrower, knowing these numbers upfront helps you structure stronger offers, negotiate confidently, and move quickly when opportunity strikes. REIA Hard Money specializes in hard money loans for real estate investors who need dependable funding solutions — and this calculator is the first step in helping you determine if your deal fits your investment goals.
