Hard Money Loan Calculator

Hard Money Loan Calculator: see what a loan could cost on your next deal before you send it. Hard Money Lenders Atlanta built it for investors in Atlanta, Fulton County and Metro Atlanta. The result is an illustration, not a quote.

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How Much Will a Hard Money Loan Cost on Your Deal?

Fill in your numbers below and see your results on the right.Fill in your numbers below and see your results under them.

For Illustration Only

Monthly interest-only payment

$2,338

on a loan of $255,000

Points at closing$5,100
Total interest$14,025
Your cash in (down payment + points)$50,100
Loan as a share of ARV68%
Total cost of the loan$19,125

For illustration only, not a quote or a loan offer. Each lender sets its own rate, points and fees. Starting numbers come from Lendersa’s rate table for the week ending June 20, 2026.

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How Does the Hard Money Loan Calculator Work Out the Numbers?

Loan amount = (purchase price + rehab) × the share the lender covers.
Monthly payment = loan amount × interest rate ÷ 12. Most hard money loans are interest-only.
Points = loan amount × points ÷ 100, paid once at closing.
Your cash in = price + rehab − loan amount + points.

Example: a $250,000 house with a $50,000 rehab at 85% of cost is a $255,000 loan. At 11% that is $2,338 a month in interest.

What Rates Have Hard Money Lenders Charged?

What	Range in the table
Interest rate	8.4% to 13.2%
Points	1.5 to 3.8
760 credit score, 60-65% LTV	9.50%
760 credit score, 65-75% LTV	11.98%

Source: Lendersa’s nationwide lender rate table for the week ending June 20, 2026. Rates change often and vary by lender, deal and credit.

Ready to Send Your Deal to a Hard Money Lender?

Send one short form with your deal. We pass it to private lenders who fund investors across Metro Atlanta.

Loans we match: fix and flip loans, construction loans, bridge loans and rental property loans, through Hard Money Lenders Atlanta.

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