Bridge-to-Sell Decision Engine

Calculate whether a bridge loan makes sense while your property is listed for sale.

What This Tool Does

Selling a property but need capital now? The Bridge-to-Sell Calculator helps you decide if a short-term bridge loan makes financial sense. Model your expected sale timeline, bridge loan costs, and compare the net proceeds of selling now at a discount vs. taking a bridge loan and selling at full price. See the break-even point where the bridge loan pays for itself.

Deal Inputs

$
$
$
4 mo
1 mo12 mo
70%
50%80%
%
pts
$

Bridge Advantage

+$31,733

Extra net proceeds by bridging vs. quick sale

Bridge loan recommended

Break-even at 11.2 months — bridge costs exceed the price discount after that point

Scenario A — Quick Sale Now

Quick Sale Price$440,000
Selling Costs (6%)−$26,400
Net Proceeds$413,600
Available immediately — no financing required

Scenario B — Bridge Loan + Full-Price Sale

Bridge Loan Amount$350,000
Origination Costs−$7,000
Cash Available Now$343,000
Monthly Bridge Cost$2,917
Total Bridge Cost (4 mo)−$18,667
Total Carrying Costs (4 mo)−$6,000
Selling Costs (6%)−$30,000
Net Proceeds at Full Sale$445,333

Scenario Comparison

Quick Sale

$413,600

net proceeds

Bridge + Full Sale

$445,333

net proceeds

Bridge Advantage+$31,733
Break-Even MonthMonth 11.2

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What You'll Need (Inputs)

  • ●Current property value
  • ●Expected sale price
  • ●Estimated time to sell (months)
  • ●Bridge loan terms (rate, points)
  • ●Current carrying costs
  • ●Discount if forced to sell now (%)

What You'll Get (Outputs)

  • ●Bridge loan cost over holding period
  • ●Net proceeds: bridge vs. quick sale
  • ●Break-even sale timeline
  • ●Monthly cost of bridge financing
  • ●Recommended strategy

Perfect For

Related Loan Program

Bridge-to-Sell →

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