Land Loan Calculator

Finance raw land — understand the true cost

What is this? Land loans are very different from mortgage loans. Banks view raw land as riskier — expect higher down payments (20-50%), shorter terms (10-15 years max), and higher interest rates (1-3% above comparable mortgage rates).

Types of land loans: Raw land (no utilities, highest risk), transitional land (planned for development), and improved land (has road access + utilities). Each has different lending standards.

Who it's for: Buyers purchasing raw land for a future home site, cabin, or investment.
Loan Details
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Payment Breakdown
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Monthly P&I Payment
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Total Interest Paid
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Total Cost of Land
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Monthly (incl tax)
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Interest as % of Loan
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Land loans typically have shorter terms and higher rates than mortgages. Consult a community bank or credit union specializing in land loans.

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