Estimate your total project cost, loan-to-value ratio, closing costs, and funds needed to close — built specifically for Idaho custom home construction.
For planning purposes only. Not a rate quote, loan approval, or commitment to lend.
Open Section 01 and enter the purchase price or appraised value of your lot. If you already own the land, use the current appraised value. Add any site preparation costs in the Lot Adjustments field.
Open Section 02 and enter pre-construction expenses: architectural drawings, engineering, interior design, well drilling (common in rural Idaho), and utility hookup fees.
Open Section 03 and enter your builder's contract amount. Adjust the contingency percentage (5% default; most Idaho lenders require 5–10%). Add builder's risk insurance and survey.
Open Section 04 and enter the loan amount you plan to request. The calculator instantly shows your LTV and flags whether it falls within eligible ranges.
Open Section 05 to see pre-filled Idaho-typical closing costs broken down by lender fees and title fees. Adjust any line item to match actual quotes from your lender or title company.
Open Section 06 and enter deposits already paid, your planned down payment, gift funds, or lot equity. The summary panel updates to show your estimated funds to close.
Your land value is the foundation of your LTV calculation. Lenders appraise the lot separately before closing. If you're buying the lot simultaneously, make sure your purchase price is supported by comparable lot sales in the area.
Purchase price or appraised value of the land
Site prep, grading, demolition, or land improvements
Pro tip: If you already own the lot free and clear, that equity can serve as your entire down payment — you may not need to bring any cash to closing.
Our Idaho construction loan specialist can review your numbers and give you an actual rate quote — no obligation.
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Important Disclaimer: This calculator is provided for illustrative planning purposes only and does not represent a rate quote, loan approval, or commitment to lend. LTV will be based on the lower of the appraised value or total project cost. All costs shown are estimates provided by the user. Lender, title, appraisal, and third-party fees may vary by program, property, location, and provider and are subject to change. This worksheet may not include all costs of construction or financing, such as reserves, escrow setup, change orders, owner upgrades, site-specific requirements, or local impact/utility fees. Products, pricing, and guidelines may not be available in all areas. Please speak with a licensed loan officer for a personalized scenario review. This tool is not financial, tax, or legal advice. NMLS #442558 · Liberty Federal Credit Union NMLS #518186.
Common questions about Idaho construction loan calculations