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Free tool

HOA loan comparison calculator

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

Your community

Build a scenario

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.

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.

Why use this tool

Understand what a loan really means for your community.

  • See the estimated cost per unit

    A total monthly payment sounds large in isolation. Per unit puts it in perspective, and helps boards communicate the likely impact to owners.

  • Compare scenarios side by side

    Different amounts, rates, and terms change the outcome a lot. Build a few before you take a recommendation to the board.

  • Know where an estimate ends

    Real terms depend on your reserves, delinquency, and project scope. A consultation turns an estimate into an actual offer.