Follow the default numbers.
With bridge loan of $150,000, the model gives sale cash after bridge payoff + costs: $88,500.
The formula is sale proceeds − bridge principal − financing costs. Open the breakdown to trace expenses and assumptions. Change one input at a time to see how your decision changes. This example uses scenario inputs; it is not an offer, tax bill, appraisal or legal determination.
A delayed sale increases carrying cost
Bridge financing assumes interest-only payments on a constant balance, plus points, other fees and an exit fee. Each additional month adds interest before the existing home sells. The residual-proceeds estimate subtracts principal and modeled bridge costs from your entered net sale cash. Use sale cash before these bridge charges to avoid double counting them.
Two properties can mean two cost budgets
The bridge estimate does not automatically include both homes’ taxes, insurance, maintenance or other mortgage payments. Add those costs to a broader transition budget. Sale timing, contract contingencies and a balloon deadline can create liquidity risk even when eventual equity appears sufficient. Confirm how the lender expects monthly interest to be paid.
Consider the post-sale use of proceeds
After the bridge is paid, remaining proceeds may support a new-loan recast or other needs. The recast page compares a lump sum with keeping the original payment or refinancing. A projected residual is not approval to borrow or a guarantee the old home will sell at the assumed price.
Keep your assumptions with the result
Save the calculation to your deal file to reuse compatible inputs in another tool. The file stays in this browser on this device. Download the CSV to open the complete inputs, results and schedule in Excel or Google Sheets. Use PDF to print the report or save it as a PDF. A share link includes entered financial figures in its URL, so use it only with people you intend to share those numbers with.