Build sources
+ uses.
Organize the land, project budget, closing estimate, proposed loan, and remaining cash requirement in one Texas construction worksheet.
Enter what the project knows today.
01 Land position$0
Separate the land’s supported value from the cash required to acquire it or pay off existing debt.
02 Soft costs$0
Include the professional, approval, testing, and utility costs required before and around construction.
03 Hard costs$0
Use the complete construction scope. Known work should not disappear inside contingency.
04 Value + loan request$0
Cost, value, and the requested loan are separate inputs. The final lender calculation may differ.
05 Closing estimate$0
Defaults stay at zero to avoid false precision. Replace them with current transaction-specific estimates.
06 Other sources$0
Show funds already applied and other expected sources. Do not enter the requested loan again.
The result is a question set—not a quote.
This calculator is for general illustrative planning only. It is not a rate quote, payment calculation, application, approval, appraisal, commitment to lend, or determination of eligible costs or equity. All figures are entered by the user and may omit reserves, escrows, prepaid items, insurance, taxes, title requirements, change orders, owner upgrades, extension costs, or site-specific work.
Loan-to-cost and loan-to-value are simplified planning ratios. A lender may use different definitions, limits, value bases, or documentation. Closing charges and third-party fees vary by transaction and provider. Consult a licensed loan originator and the appropriate legal, tax, insurance, appraisal, title, and construction professionals for your project.
Read the Texas construction-loan calculator guide