How do I calculate loan-to-cost? Enter your numbers above and the result updates instantly. For example: Loan amount: $400,000 · Purchase price: $380,000 · Rehab / construction budget: $120,000 → LTC: 80%.
Is this Loan-to-Cost Calculator free? Yes — completely free with no sign-up or paywall. It runs entirely in your browser and keeps working offline; the numbers you enter never leave your device.
How accurate is it? It uses the standard published formula for loan-to-cost. Results are estimates for planning — not financial, tax, medical, engineering, or legal advice.