Step 1 — Project costs

What are the core project costs?

Start with the two big numbers: the land and the build.

Lot purchase price

$

Construction contract price

$

Step 2 — Down payment

How much are you putting down?

Applied to total project cost (lot + construction). Your builder deposit counts toward this.

Down payment percentage

%

Step 3 — Rates & terms

What are your loan rates and term?

The construction rate applies during the build; the permanent rate kicks in at conversion.

Construction interest rate (annual)

%

Permanent mortgage rate (annual)

%

Amortization term

Step 4 — Interest & costs

How should construction interest be handled?

You will owe interest-only on drawn balances during construction. Choose how to cover it.

Pay monthly

Out-of-pocket each month. Lower final loan balance.

Finance into loan

Added to balance. No cash outlay during construction.

Cash closing costs (% of total project cost)

%

Estimated completed home value (optional — for equity projection)

$

Step 5 — Draw schedule

Define your construction milestones

Percentages must total 100%. Set the month each draw occurs.

Milestone% contractMonthFunding

Draws total 100%

Step 6 — Cash required

Here is what you need at closing

Your upfront cash requirements, broken down component by component.

Step 7 — Full analysis

Your C2P loan summary

Complete breakdown of your construction-to-permanent financing.

Monthly carry schedule

Mo.	Event	Beg. balance	Draw	Monthly interest	Cum. interest	End balance

Taxes, insurance, HOA, and lender-specific reserve requirements are not included. Interest uses simple monthly rate (annual / 12) on the outstanding drawn balance.