Building Affordability Calculator
Searching "how much building can I afford for my business"? Start with a realistic monthly payment target, estimate a practical purchase range, then compare financing paths before touring properties.
Affordability Inputs
Estimated affordability
Estimated max loan amount: $1,320,567
Estimated max purchase price: $1,467,296
Estimated down payment: $146,730
This is an estimate for educational purposes. Actual terms vary by lender and borrower profile.
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Educational Resource: BuyingABuilding.com is not a lender, mortgage broker, or financial advisor. We provide education and help connect business owners with participating SBA-approved lenders.
How to use this affordability estimate
Business owners searching buying a building for my business usually need a clear budget range before they negotiate. Use this tool to set your payment ceiling, match it to likely purchase prices, and move into lender conversations with a tighter buy box.
Affordability calculator FAQ
How much building can my business afford?
Start with a monthly payment target your business can comfortably sustain, then back into a purchase range using down payment, rate, and term assumptions.
Does this include taxes, insurance, and maintenance?
No. This calculator focuses on principal-and-interest estimates for educational purposes. Actual occupancy costs vary by property and market.
Is SBA financing always 10% down?
Not always. Many SBA 504 scenarios start near 10% down, and some SBA 7(a) lenders may offer different structures for qualified borrowers.