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Free tool

HOA loan calculator

Compare loan scenarios side by side and see the estimated monthly cost per unit for your community.

Calculate

What the project costs per unit, per month.

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Your community

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What this means

Calculated

Enter a loan amount, an interest rate and a unit count to see a monthly figure.

Scenario comparison

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Add a scenario to start comparing.

Which path fits depends on your owners, your reserves and your governing documents.

These are estimates. Ready for real numbers?

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For informational purposes only. Does not constitute legal, tax, investment, or financial advice. Actual loan terms subject to lender approval.

Capital planning

The step before pricing a loan, on its own page.

What the reserve study says is coming, and the year your balance stops meeting it. It asks for your reserve position, not a loan amount.

Open the capital planning tool

Owner payment paths

Four ways owners can pay their share, and what each one sets in motion.

A decision guide for the board, now on its own page. No dollar amounts or rates in it.

Open the owner payment paths tool