About
Bridge loans cover 'buy before sell' gap. Typically 80% LTV on combined value. Rate 8-12%, 6-12 months. Origination 2-4 points. Risky if your current home doesn't sell - you're stuck with two mortgages + bridge loan.
2026 bridge-loan economics on a $300,000 bridge at 10% interest-only with 2 points origination: monthly interest sits at $2,500 and origination costs $6,000 up front, so a 6-month bridge runs $21,000 all in before the existing home sells. Most lenders require the existing home to be listed before closing, and a few require it to be under contract. Bridge loans almost always sit behind the new purchase mortgage in lien position, which is why rates are 3 to 5 points higher than a primary mortgage rate even for borrowers with 760-plus credit.
Common pitfalls
- Underestimating days on market. A 60-day bridge plan turns into 120 days the moment your local DOM crosses the bridge term, doubling the carry cost and often blowing through the 12-month max term.
- Forgetting the second mortgage qualification. Lenders count both the existing mortgage and the bridge payment in DTI for the new purchase loan, so you may not qualify for the new mortgage on income alone if both old payments are in the file.
Formula
Frequently asked questions
How accurate is the Bridge Loan Calculator?
It applies the standard formula. Accuracy is limited only by your input precision. For decisions with material consequences (taxes, medical, legal, structural), use the result as a starting point and verify with a qualified professional in the relevant field.
Is the Bridge Loan Calculator free to use?
Yes. 100% free, no signup, no payment, no API key. The site is funded by display ads around the tool but not inside the calculation flow.
Are my inputs saved anywhere?
No. All inputs stay in your browser tab. Closing the tab discards them. The site uses Google Analytics for traffic measurement (anonymized) but the analytics never see what you type into the form.
Can I use the Bridge Loan Calculator on my phone?
Yes. The tool is responsive and tested on iOS Safari, Android Chrome, and major desktop browsers. Touch targets meet Apple's 44pt and Google's 48dp minimum.
Does the Bridge Loan Calculator work offline?
Yes. Once the page has loaded, it works without internet. The calculation runs in JavaScript on your device.
How do I report a bug or suggest improvement to the Bridge Loan Calculator?
Email hi@3tej.com with the URL of this page and a description of what you saw vs expected. We typically respond within 72 hours.
Can I share results from the Bridge Loan Calculator?
Take a screenshot or copy the output. The page doesn't generate shareable URLs for specific calculations - inputs stay in your browser only.
Why are the results different from another bridge loan tool?
Most likely: different formula assumptions, different default values, different rounding rules, or different applicable rates. Check the methodology if both tools document it. Both can be valid for different scenarios.
Is the Bridge Loan Calculator accurate?
The Bridge Loan Calculator applies the standard formula for bridge loan. Accuracy is limited only by your input precision. For decisions with material consequences, use the result as a starting point and verify with a qualified professional or the relevant official source.
Is the Bridge Loan Calculator free?
Yes. 100% free, no signup, no payment, no API key. The site is funded by display ads that appear around the tool but not inside the calculation flow.
Are my inputs saved?
No. Inputs stay in your browser tab. Closing the tab discards them. The site uses Google Analytics for traffic measurement (anonymized) but does not see what you type into the form.
How to use the Bridge Loan Calculator
The Bridge Loan Calculator is a browser-based tool that runs entirely on your device. Inputs you enter never reach a server - all calculations happen client-side in JavaScript. This means:
- Privacy: nothing is logged, sent, or stored by 3Tej. Inputs disappear when you close the tab.
- Speed: results update as you type. No network round trip.
- Offline use: once the page is cached, it works without internet.
- No signup: no account, no email, no rate limits.
Step by step
- Enter your inputs in the form above. Each field is labeled with its unit (currency, percent, kg, etc.) and the expected range.
- Read the result as it updates. The number reflects the formula commonly accepted in Bridge Loan-related calculations.
- Adjust to see sensitivity: change one input at a time and watch how the output moves. This is the fastest way to understand which variable matters most.
- Copy or screenshot the result for later reference. The page state persists for the session if your browser allows it.
When you would use this
- Quick estimates: when you need a number now and don't want to open a spreadsheet.
- Sensitivity analysis: testing how a result changes as inputs vary, before committing to a real-world decision.
- Comparison: running the same calculation with different inputs to compare options side by side.
- Learning: building intuition for how the underlying math behaves.
- Documentation: capturing a snapshot of inputs and outputs at a point in time.