Cost to Complete Calculator
Project Funding Gap Analysis
Calculate your remaining funding needs: (Hard Costs + Soft Costs + Contingency) - (Equity + Loan Funded)
Hard Costs
$
$
$
Subtotal:$675,000
Soft Costs
$
$
$
$
$
Subtotal:$75,000
Funding Sources
$
$
$
Funding Gap (Equity Required)
$55,000
Remaining costs exceed the undisbursed loan — additional equity needed before further advances
Cost to complete$455,000
Undisbursed loan$400,000
Project Funded43.5%
Project Budget Summary
Hard Costs$675,000
Soft Costs$75,000
Contingency (10% of construction costs)$55,000
Total Project Cost$805,000
Equity Invested$150,000
Loan Funded$200,000
Total Funded$350,000
Cost to Complete$455,000
Undisbursed Loan$400,000
Equity Still Required$55,000
Estimates only. Lenders advance construction funds only while the undisbursed loan covers the remaining cost to complete (confirmed by a cost consultant / quantity surveyor). Statutory 10% lien holdbacks and interest reserves can reduce what is available per draw.