Bridge Loan Calculator

Q: Are bridge loans interest-only?

Almost always. You pay only the monthly interest during the term and repay the principal at exit, when you sell or refinance into permanent debt. That keeps the carry manageable while the asset is being repositioned or stabilized.

Q: What does a bridge loan cost besides the rate?

Origination points (a percentage of the loan paid at closing) plus third-party closing costs like legal, title, and appraisal. Points are fixed no matter how long you hold, while interest accrues monthly, so a faster exit lowers the total cost but not the up-front fees.

Q: How do I exit a bridge loan?

The two standard exits are a sale or a refinance into long-term permanent debt once the property is stabilized. A credible exit plan is part of bridge underwriting; USAM Fund also places permanent financing in house, so the refinance out of the bridge can be lined up from day one.

Know your monthly carry before you commit.

Loan amount$Interest rate%TermmoOrigination points%Other closing costs$

Monthly payment (interest-only)

$15,000

10.3% effective annual cost

Bridge loans are typically interest-only, so this is your carry while you reposition, stabilize, or wait out the permanent refinance.

Interest over 24 months$360,000

Origination (2 pts)$40,000

Other closing costs$10,000

All-in cost of the loan$410,000

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Inputs are pre-filled with example figures, edit them to match your deal. Estimates only, for planning purposes, and not a rate quote, an offer, or a commitment to lend. Your actual rate and terms depend on a full review of your deal.

A bridge loan buys time: to reposition an asset, finish a lease-up, buy out a partner, or wait for permanent financing. The price of that time is the interest-only carry plus the points and fees paid up front. This calculator shows the monthly payment, the total cost over your hold, and an effective annual cost of capital so you can compare bridge quotes on equal footing.

Common questions

Are bridge loans interest-only?

What does a bridge loan cost besides the rate?

How do I exit a bridge loan?

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