How the bridge-financing carry is estimated
This tool combines simple-interest financing cost, points, flat fees and a separate property-carry budget over a defined number of days.
Interest is calculated as simple interest using principal × annual rate × days ÷ 365. Points equal principal times the entered points percentage. Flat financing fees are added directly. Other monthly property carry is prorated using days ÷ 30. The tool reports financing cost, property carry and the combined modeled carry while keeping the principal due at exit separate.
Principal × annual rate × days ÷ 365No compounding is assumed.
Principal × points %Models upfront points in dollars.
Interest + points + flat fees + prorated property carryKeeps financing charges and other property carry visible.
Enter the actual bridge amount you want to model.
Use a realistic day count rather than assuming a perfect closing date.
Include points and flat fees separately from rate.
Stress-test a longer holding period because time overruns can materially change bridge cost.
Best used for
- Estimating short-term financing carry
- Comparing bridge options with different points and rates
- Testing the cost of a delayed sale or refinance exit
What this tool does not answer
- The model uses simple interest and a 365-day convention.
- It does not compound interest or model draws, extensions, default rates or exit fees.
- Other property carry is a smooth monthly estimate and may not reflect irregular taxes, insurance or repairs.
How to read a sample result
Illustrative example: $300,000 at 6% for 90 days creates about $4,438.36 of simple interest. Two points add $6,000, $1,000 of flat fees brings financing cost to about $11,438.36, and $1,500 of monthly property carry adds about $4,500—about $15,938.36 of modeled total carry before repaying principal.
The methodology below explains how this calculator treats the inputs and assumptions. Replace the sample values with your own planning figures. Results are estimates, not quotes, approvals, disclosures or recommendations.
Inputs and units
Principal, annual rate, days, points, flat fees and other monthly property carry. All currency entries are U.S. dollars. Percentage fields take a number such as 6 for six percent, not 0.06. Repayment terms marked in months use whole months; horizons marked in years use whole years.
Calculation workspace
Enter your own figures in the calculator above. The starting values are examples only. No personal identifiers are needed to run a scenario.
How to interpret the result
Read every result together with the assumptions you entered. Changing an input changes the scenario, not product availability. Displayed amounts are rounded for readability.
Assumptions and limitations
Uses actual entered days divided by 365 and assumes interest and fees are paid from cash rather than capitalized. Actual loan agreements may use different accrual methods.
Review more than one scenario
Run a base case and then change one uncertain input at a time. Compare a shorter holding period, a higher cost or a different repayment term where those inputs are supported. Record which costs have not been entered. A precise-looking number can still rest on uncertain assumptions.
Invalid inputs and error recovery
If an input is missing or outside the calculator’s supported range, the page will ask you to correct it. Use negative values only in fields that explicitly allow them. A calculation error is not a credit decision.
Model documentation
The calculator methodology explains the inputs, assumptions and supported models. Use the result for planning and compare it with the provider’s written terms and applicable disclosures before making a decision.
Choose a product for your calculation
Use these comparisons for planning; final eligibility, pricing and terms are set by the provider.
Program references and comparison sources
CFPB: Loan Estimate explainer — Comparison of covered mortgage disclosures, cash to close, points, lender credits and monthly costs.
CFPB: Understand the different kinds of loans available — Loan structures, terms and repayment risks; not provider-specific eligibility.
Check the linked source for its effective date and applicable scope. A source link is not a lender partnership or an individual offer.