The toolkit · free, no sign-in
Tools that speak the lender's language.
Each one runs the same math a banker runs — so the numbers you bring to the table are the numbers they'll check. Nothing is saved or sent anywhere.
Turn a loan amount into a monthly payment — and see the total cost over time.
$
What you'll borrow after your down payment — the biggest driver of the payment.
%
Tied to an index (Treasury / Prime) plus the lender's margin.
yrs
Years the payment is spread over — the loan often matures sooner.
%
Points, origination, title & legal — about $22,500 up front.
Most church loans balloon at 3–15 years, then refinance.
Estimated monthly payment
$10,363.67
Annual debt service$124,364
Up-front fees (1.50%)$22,500
Total interest if held 25 yrs$1,609,102
True cost of borrowing through the 5-yr maturity$507,309
interest paid ($484,809) + fees ($22,500)Loan balance over time
Your early payments are mostly interest, so the principal barely moves. This is the balance you'd refinance or pay off when the loan matures.
Balloon due at 5 yrs$1,362,988$137,012 of principal retired
Now
Yr 1
Yr 2
Yr 3
Yr 4
Yr 5
To pass a lender's coverage test, your church typically needs annual cash flow of about $155,455 — that's 1.25× this payment. Check your ratio →
Estimates for planning only — not a loan offer or financial advice.
Start with one number
You don't have to become a banker to lead well here.
Run the numbers a lender will, and walk in already knowing where your church stands.