I am a: Homeowner / Seller Buyer / Moving Up
Bridge Loan Calculator

Buy Before You Sell — Bridge Loan Analysis

Model the carrying costs, equity needs, and financial risk of buying your next home before your current one sells.

Current Home
Current Home Value
$600,000
$100K$2M
Mortgage Balance
$320,000
$0$1.5M
Current Mortgage Payment
$1,850/mo
$300$8K
New Home
New Home Purchase Price
$750,000
$100K$2M
New Mortgage Rate
6.875%
4%10%
Bridge Loan
Bridge Loan Rate
9.5%
6%15%
Expected Overlap (months)
4 months
1mo12mo
Bridge Loan Structure
Available Equity$--
Max Bridge (80% LTV)$--
Bridge Loan Amount$--
Bridge Loan Fee (2%)$--
Monthly Bridge Interest$--
Carrying Cost During Overlap
Current Mortgage$--
New Mortgage P&I$--
Bridge Interest$--
Total Monthly Carrying$--
Total Overlap Cost (4 months)$--
Net Proceeds & After-Sale Position
Expected Sale Proceeds$--
Pay Off Bridge Loan$--
Pay Off Old Mortgage$--
Net Cash After Sale$--
Alternative: Contingent Offer
A contingent offer avoids bridge loan costs but may reduce negotiating power in competitive markets.
Bridge Loan Total Cost$--
Contingent Risk (price reduction)$--