Land Loan Calculator — Payments & Total Interest

How to use

1. Enter the land price and your down payment percent.
2. Add closing costs you want to finance.
3. Set the APR and pick a term from the list.
4. Calculate for payment, total interest and the year-one table.

General information only — not medical, financial or legal advice. Figures cross-checked against public official sources (IRS / HMRC / NHS / WHO guidance); content last reviewed September 2026. For decisions that matter, confirm with a licensed professional in your country.

About this tool

Land financing is its own animal: banks treat undeveloped acreage as riskier collateral than houses, so down payments run 20% to 50% for raw land, terms run shorter, and rates sit a point or two above mortgage pricing. This calculator prices the deal the way a land lender quotes it — purchase price, down payment percent, financed closing costs, APR and a term list running from 5 up to 30 years (15 or 20 is typical for raw parcels, 30 mostly for improved land). You get the monthly payment from standard amortization, total interest over the life of the note, the first payment split and a first-year table showing how slowly principal moves in the early months. Use it to compare a farm-credit loan against a local bank before you commit. It is an educational estimate for shopping lenders, not a loan offer or professional advice, and every calculation stays on this page.

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