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Bridge Purchase Analyzer

Explore bridge financing up to 120% of your new purchase price, using your current property and new purchase. See estimated financing capacity, then sources and uses for cash to close.

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Inputs

Bridge Purchase

Two properties, one transition. Capacity comes from the program formula; cash to close is a separate sources-and-uses.

Current property
At closing, existing liens
Liens remaining after close$400,000
New purchase
Bridge and transition
Bridge interest

Results

Illustrative estimate from the inputs shown. Not a rate quote, approval, or commitment to lend.

How the capacity is built

Explore bridge financing up to 120% of your new purchase price, using your current property and new purchase.

Current property value

$1,000,000

Collateral contributed by the property you already own.

New purchase price

$800,000

The property being acquired with this facility.

Existing liens — subtracted before the 65% is applied-$400,000
Combined value after liens$1,400,000

65% collateral-based limit

Controls

$910,000

(Current value + new purchase − existing liens) × 65%

120% purchase-price cap

$960,000

New purchase price × 120%

Estimated financing capacityNot an approval

$910,000

Estimated maximum bridge loan — the lesser of the two limits above. Subject to available collateral, existing liens, underwriting and program requirements.

Which limit controlsCollateral-based limit
Estimated financing capacity
$910,000

Collateral-based limit controls. Estimated only — not an approval.

Estimated cash to close
$0

$331,400 of surplus sources

Combined LTV
80.0%

Secured debt ÷ combined collateral value

Financing capacity is not cash available for the purchase. Capacity is what the structure may support; cash to close comes from the sources-and-uses below, after payoffs, closing costs, points, and reserves.

Sources and uses — cash to close

New financing$640,000
Bridge amount$400,000
Cash contribution$150,000
Total sources$1,190,000
Purchase price$800,000
Closing costs$16,000
Points (new loan)$9,600
Points (bridge)$8,000
Renovation$0
Required reserves$25,000
Liens paid off$0
Total uses$858,600

Collateral and debt

Current property value$1,000,000
New purchase price$800,000
Gross combined property value$1,800,000
Combined value after existing liens$1,400,000
New financing balance$640,000
Bridge balance$400,000
Remaining existing liens$400,000
Combined secured debt$1,440,000
Estimated equity remaining$360,000

Carrying cost and exit

Monthly financing and carrying$8,825
Interest over holding period$82,594
Transaction financing costs$33,600
Sale price (exit)$1,000,000
Sale costs-$60,000
Bridge payoff at sale-$400,000
Net proceeds released$140,000
Paid-off liens are shown as a use of funds and excluded from remaining debt. The bridge is counted once, even though it may be secured by both properties. Interest paid monthly is a carrying cost; financed interest increases the payoff. The two are never added together.
Subject to available collateral, existing liens, underwriting and program requirements. Capacity is a program calculation, not a credit decision or a guaranteed amount. Program availability and applicable terms depend on property type and state and require review — the same program is not available for every property type or state. Bridge financing shown here is business-purpose financing for investment and business-purpose property only.
Methods and formulas used

Collateral-based limit = (current property value + new purchase price − existing liens) × 65%. Existing liens are subtracted first, before the 65% is applied.

Purchase-price cap = new purchase price × 120%.

Estimated maximum bridge loan = the greater of zero and the lesser of those two limits. The lower limit controls the result.

Combined LTV = debt secured by the modeled collateral ÷ combined eligible collateral value.

Bridge interest = outstanding bridge balance × annual rate ÷ 12 × months held.

New financing interest is derived from the amortizing payment less principal reduction over the holding period.

Points are 1% of the loan amount per point and are treated as a transaction cost, not interest.

SageFin Capital is a commercial finance brokerage and provides illustrative tools only. Results are estimates based on the inputs you provide and do not constitute a rate quote, pre-approval, credit decision, or commitment to lend. Lender eligibility, program availability, and terms are determined by the lender through a separate review.