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 much building can my business afford?
Your affordable purchase range is set by the maximum monthly payment your business can sustain, divided across your available down payment, target interest rate, and loan term. Use this tool to convert that payment ceiling into a realistic purchase price range before you start touring properties.
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.