Use this land loan calculator to estimate monthly payments, interest, and total cost when buying land, farms, or vacant lots. Perfect for planning down payments and affordability.
A land loan calculator helps you estimate monthly payments, total interest, and amortization for land, farmland, or vacant property. Unlike home loans, land loans often have higher interest rates and shorter terms, so knowing your payment upfront is key.
A home loan is secured by an existing property, but a land loan is for undeveloped land — which lenders consider riskier. This means higher interest rates, larger down payments (20–30%), and shorter loan terms. Our lot loan calculator and vacant land loan calculator estimate those differences for you.
Depending on your needs, you may use a:
Use the how much land can I afford calculator approach: decide your monthly budget, then reverse-calculate the land value based on loan terms. For example, if you can pay $1,200/month at 7% for 30 years, you could afford roughly $180,000 with 20% down.
It uses the loan amount, interest rate, and term to compute monthly payments using standard amortization formulas.
Most lenders require 20–30% down for vacant land. Larger down payments reduce risk and improve approval chances.
Use this farmland loan calculator: enter your loan amount, rate, and years to see principal and interest totals.
A land mortgage calculator estimates payments for private land loans, while a farm credit calculator models loans issued by agricultural institutions.
Whether buying farmland, a vacant lot, or acreage, our land loan calculator gives instant clarity on payments, interest, and affordability. Use it to plan your budget, test scenarios, and make confident decisions before buying land.
Try it now – enter your numbers above and see your estimated land payment instantly!