Advanced Land Loan Calculator
A comprehensive tool to estimate your land loan payments. Factor in taxes, insurance, and extra payments to see your true monthly cost and potential interest savings.
Your Estimated Results
Total Monthly Payment
$0.00
Total Interest
$0.00
Total Payments
$0.00
Payoff Date
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What Your Land Loan Numbers Really Mean
Understanding the breakdown of your loan is the first step to smart financing. Your monthly payment is split between principal (paying down your loan) and interest (the cost of borrowing). Over time, more of your payment goes toward principal.
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Key Factors Impacting Your Rate
Your credit score, down payment size, and the type of land (raw, lot, farm) are the biggest factors lenders consider.
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Don’t Forget Taxes & Insurance
Local property taxes and any required insurance are not included in this calculation but will be part of your total monthly expense.
Impact of a 0.5% Rate Change
Example based on a $100,000 loan over 15 years.
Accurate & Free
Real-time calculations for accurate financial planning.
Secure & Private
No personal data required to use our tool.
Expert Reviewed
Backed by financial professionals for accuracy.
Covers All Loan Types
Raw, vacant, and construction-to-perm.
When to Use Our Land Loan Calculator
This tool is designed for a variety of land-buying scenarios. Use it to get a clear financial picture if you are:
Purchasing Raw Land
Planning to buy an undeveloped parcel for investment, recreation, or future development.
Buying a Lot for a New Home
Estimating costs for a plot of land in a subdivision or a standalone lot before construction.
Financing Agricultural Land
Calculating payments for farm, ranch, or timber land, including scenarios covered by USDA loans.
Example Land Loan Scenario
| Loan Amount | Rate | Term | Monthly Payment | Total Interest |
|---|---|---|---|---|
| $100,000 | 6.0% | 15 yrs | $843.86 | $51,894.28 |
See the full payment-by-payment breakdown in our Amortization Schedule Calculator.
How to Use the Calculator
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1
Enter Loan Details
Input your desired loan amount, estimated interest rate, and the loan term in years.
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2
Add Optional Costs
Enter your down payment, plus any annual property tax, insurance, or extra payments.
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3
Click “Calculate”
Instantly see your estimated total monthly payment and the loan payoff details. Read our full guide.
Explore More Land Loan Tools
Texas Land Loan Calculator
Get estimates tailored to Texas land financing regulations.
Farm Land Loan Calculator
Calculate payments specifically for agricultural land purchases.
Early Payoff Calculator
See how extra payments can save you thousands in interest.
Property Tax Calculator
Estimate your annual property tax burden on a new parcel.
Land Investment ROI Calculator
Project the potential return on your land investment over time.
Land Loan Rate Calculator
Understand what interest rate you might qualify for.
Guides to Help You Finance Smarter
Complete Land Loan Guide
Everything you need to know, from application to closing, in one comprehensive guide.
How Down Payments Affect Costs
Learn how a larger down payment can lower your rate and save you money long-term.
Best Banks for Land Loans in 2025
We compare the top lenders for various types of land purchases and credit profiles.
Calculate by State
Why Thousands Rely on Our Calculator
Jane Doe
Senior Mortgage Advisor
With 15+ years in real estate finance, Jane ensures our tools meet the highest standards of accuracy.
Land Loan FAQs
Our calculator provides a very accurate estimate based on the numbers you provide. However, it does not include property taxes, insurance, or potential HOA fees. Your final payment will be determined by your lender and these additional costs.
Yes, this calculator is designed for all types of land purchases, including raw land, vacant lots, and parcels intended for construction-to-permanent loans. Simply enter the loan details to get your estimate. Learn more about vacant vs. raw land loans.
Lenders typically look for a credit score of 680 or higher for a land loan, with some requiring 720+ for the best rates. A higher down payment can sometimes offset a lower credit score. Read our guide on credit score requirements for land loans for more details.
Some closing costs may be tax-deductible, especially points paid to secure the loan. However, rules can be complex. We highly recommend consulting with a tax professional to understand what deductions you may qualify for. Find out more about land loan tax deductions.