Free Tiny House Mortgage Calculator
Drag the sliders to model loan amount, down payment, rate, and term — your payment updates instantly.
Estimates only. Actual rates depend on credit, lender, and loan type.
Calculate Your Payment
Adjust each input to see how it affects your monthly payment and total interest.
28% down payment
Payment Summary
Based on $65,000 at 6.00% over 7 years.
Why Use This Calculator?
Budget Planning
Determine what monthly payment fits your budget before shopping. Compare 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.
Evaluate Down Payments
Understand how larger down payments reduce monthly costs and total interest. Plan savings goals and see the impact of different amounts.
Interest Rate Impact
Compare how interest rates affect affordability. Even small rate differences can mean thousands in savings across loan offers.
Tiny House Financing Options
Traditional Mortgages
Available for tiny houses on permanent foundations that meet local building codes (typically 400+ sq ft).
Typical rates: 6–8% · Terms: 15–30 years · Down: 5–20%
RV Loans
Common for tiny houses on wheels certified as recreational vehicles. RVIA certification usually required.
Typical rates: 7–10% · Terms: 7–15 years · Down: 10–20%
Personal Loans
Unsecured loans without collateral. Higher rates but flexible for non-traditional tiny houses.
Typical rates: 8–15% · Terms: 2–7 years · Down: None required
Builder Financing
Some builders offer in-house financing or partner with specialty lenders familiar with tiny house valuations.
Typical rates: 7–12% · Terms: 5–15 years · Down: 10–25%
Frequently Asked Questions
Important disclaimer
Monthly payment
$950
$65,000 financed
7 yr · 6.00%