Free Tiny House Mortgage Calculator
Calculate your estimated monthly mortgage payments for a tiny house purchase. Adjust loan amount, down payment, interest rate, and loan term to find an affordable payment that fits your budget. Ready to start shopping? Browse our tiny house listings or explore certified builders nationwide.
Free financial planning tool • Updated November 2025
Calculate Your Payment
Adjust the sliders below to see how different loan amounts, down payments, interest rates, and terms affect your monthly payment.
28% down payment
Based on a loan of $65,000 at 6.00% interest over 7 years.
Why Use This Calculator?
Budget Planning
Determine what monthly payment fits your budget before shopping for tiny houses. Compare different price points and down payment scenarios to find your affordable range.
Compare Loan Terms
See how different loan terms affect your monthly payment and total interest paid. Shorter terms mean higher payments but significant interest savings over time.
Evaluate Down Payments
Understand how larger down payments reduce monthly costs and total interest. Plan your savings goals and see the impact of different down payment amounts.
Interest Rate Impact
Compare how interest rates affect affordability. Even small rate differences can mean thousands in savings. Use this to evaluate loan offers from different lenders.
Tiny House Financing Options
Traditional Mortgages
Available for tiny houses on permanent foundations that meet local building codes and minimum square footage requirements (typically 400+ sq ft).
Typical rates: 6-8% • Terms: 15-30 years • Down payment: 5-20%
RV Loans
Common financing option for tiny houses on wheels certified as recreational vehicles. Requires RVIA certification in most cases.
Typical rates: 7-10% • Terms: 7-15 years • Down payment: 10-20%
Personal Loans
Unsecured loans that don't require collateral. Higher interest rates but more flexible for non-traditional tiny houses.
Typical rates: 8-15% • Terms: 2-7 years • Down payment: None required
Builder Financing
Some tiny house builders offer in-house financing or partner with specialty lenders familiar with tiny house valuations.
Typical rates: 7-12% • Terms: 5-15 years • Down payment: 10-25%
Frequently Asked Questions
Can I get a traditional mortgage for a tiny house?
Traditional mortgages are available for tiny houses on permanent foundations that meet local building codes and minimum square footage requirements (typically 400+ sq ft). Tiny houses on wheels are usually financed through RV loans, personal loans, or specialty tiny house lenders.
What interest rates can I expect for a tiny house loan?
Interest rates vary by loan type: Foundation tiny houses with traditional mortgages (6-8%), tiny houses on wheels via RV loans (7-10%), personal loans (8-15%), and specialty tiny house lenders (7-12%). Rates depend on credit score, loan amount, and market conditions.
How much down payment do I need?
Down payment requirements vary: Traditional mortgages (5-20%), RV loans (10-20%), personal loans (typically none), and builder financing (10-25%). Larger down payments reduce monthly payments and may secure better interest rates.
What loan terms are available?
Loan terms depend on financing type: Traditional mortgages (15-30 years), RV loans (7-15 years), personal loans (2-7 years), and builder financing (5-15 years). Shorter terms mean higher monthly payments but significantly less interest paid over time.
Important Disclaimer
This calculator provides estimates only and should not be considered financial advice. Actual mortgage rates, loan terms, and monthly payments will vary based on credit score, lender requirements, loan type, property specifics, and current market conditions. Always consult with licensed mortgage brokers, financial advisors, and lenders to determine actual loan options and terms available to you.