OTC Calculator Suite Preview

All 6 new OTC construction calculators on one page.

Internal review page — not indexed.

Construction Budget

Build your project budget. Land + hard + soft + contingency.

Project Inputs

Land Cost

$

Hard Costs (construction)

$

Soft Costs % of Hard (arch, permits, fees)

12%

Contingency %

5%

Home Square Footage

Your Budget

Total Project Cost

—

Soft Costs—

Contingency—

Per-Sq-Ft Rate—

Cash Needed at Close (est.)—

Ready to take the next step on your build?

Start OTC Application

Get Your Full Report

Enter your info and we'll email you a detailed report with your scenario + next steps. A specialist will follow up.

Your Name *

Email *

Phone *

I agree to be contacted by Homestead Capital Partners via phone, text, or email regarding my inquiry. Message and data rates may apply. Consent is not a condition of any purchase or loan.

Email My Report

By submitting, you acknowledge the Privacy Policy, Terms, and agree to electronic communications from Homestead Capital Partners (NMLS #2587985) and NEXA Lending LLC (NMLS #1660690).

This is an estimation tool. Your actual loan terms will be determined after full application and underwriting. Not a commitment to lend.

Lot-as-Down-Payment LTV

See whether your existing lot equity covers the required down payment.

Lot & Project

Current Land Equity (value - debt)

$

Total Project Value (land + build)

$

Required LTV

80%

Your Down-Payment Math

Effective LTV

—

Required Down Payment—

Covered by Lot Equity—

Additional Cash at Close—

Want a specialist to confirm your lot equity math?

Discuss your lot

Get Your Full Report

Enter your info and we'll email you a detailed report with your scenario + next steps. A specialist will follow up.

Your Name *

Email *

Phone *

I agree to be contacted by Homestead Capital Partners via phone, text, or email regarding my inquiry. Message and data rates may apply. Consent is not a condition of any purchase or loan.

Email My Report

By submitting, you acknowledge the Privacy Policy, Terms, and agree to electronic communications from Homestead Capital Partners (NMLS #2587985) and NEXA Lending LLC (NMLS #1660690).

This is an estimation tool. Your actual loan terms will be determined after full application and underwriting. Not a commitment to lend.

Draw Schedule Visualizer

Model how your construction budget disburses across draws.

Draw Inputs

Total Construction Budget

$

Number of Draws

8

Your Draw Schedule

Per Subsequent Draw

—

Initial Draw at Closing (22%)—

Draw	Amount	Cumulative	%

Ready to lock your OTC scenario?

Get Approved

Get Your Full Report

Enter your info and we'll email you a detailed report with your scenario + next steps. A specialist will follow up.

Your Name *

Email *

Phone *

I agree to be contacted by Homestead Capital Partners via phone, text, or email regarding my inquiry. Message and data rates may apply. Consent is not a condition of any purchase or loan.

Email My Report

By submitting, you acknowledge the Privacy Policy, Terms, and agree to electronic communications from Homestead Capital Partners (NMLS #2587985) and NEXA Lending LLC (NMLS #1660690).

This is an estimation tool. Your actual loan terms will be determined after full application and underwriting. Not a commitment to lend.

Interest-Only Construction Payment

Estimate your monthly interest-only payment during the build.

Loan Inputs

Total Construction Loan

$

Construction Term (months)

12

Number of Draws

8

Your Quoted Rate (enter what you've been quoted)

%

Your Payment Estimate

Avg Monthly Interest-Only

—

Average Balance During Build—

Total Interest During Build—

Month	Balance	Interest

Rate-lock options available for qualified borrowers.

Lock Your Rate Before You Break Ground

Get Your Full Report

Enter your info and we'll email you a detailed report with your scenario + next steps. A specialist will follow up.

Your Name *

Email *

Phone *

I agree to be contacted by Homestead Capital Partners via phone, text, or email regarding my inquiry. Message and data rates may apply. Consent is not a condition of any purchase or loan.

Email My Report

By submitting, you acknowledge the Privacy Policy, Terms, and agree to electronic communications from Homestead Capital Partners (NMLS #2587985) and NEXA Lending LLC (NMLS #1660690).

This is an estimation tool. Your actual loan terms will be determined after full application and underwriting. Not a commitment to lend.

Builder Qualification Checklist

Evaluate your builder against OTC review criteria.

Builder Profile

Years in Business

Completed Builds

General Contractor License

Business Credit Tier

Client References

General Liability + Workers' Comp Insurance

Your Score

Qualification Score

—

Qualified builders get direct draw management with HCP.

Apply as a Builder Partner

Get Your Full Report

Enter your info and we'll email you a detailed report with your scenario + next steps. A specialist will follow up.

Your Name *

Email *

Phone *

I agree to be contacted by Homestead Capital Partners via phone, text, or email regarding my inquiry. Message and data rates may apply. Consent is not a condition of any purchase or loan.

Email My Report

By submitting, you acknowledge the Privacy Policy, Terms, and agree to electronic communications from Homestead Capital Partners (NMLS #2587985) and NEXA Lending LLC (NMLS #1660690).

This is an estimation tool. Your actual loan terms will be determined after full application and underwriting. Not a commitment to lend.

VA OTC Entitlement

Estimate your remaining VA entitlement and zero-down maximum.

Service & Entitlement

Service Type

Prior VA Loan Usage

Service-Connected Disability Rating

Current VA Loan Balance (if partial)

$

Your Entitlement Estimate

Zero-Down Maximum Loan

—

Remaining Entitlement—

Prior-Use Status—

Funding Fee—

Certificate of Eligibility (COE): HCP's VA desk can pull your COE directly from the VA — no paperwork on your end.

Ready to build with your VA benefit?

Request VA OTC Quote

Get Your Full Report

Enter your info and we'll email you a detailed report with your scenario + next steps. A specialist will follow up.

Your Name *

Email *

Phone *

I agree to be contacted by Homestead Capital Partners via phone, text, or email regarding my inquiry. Message and data rates may apply. Consent is not a condition of any purchase or loan.

Email My Report

By submitting, you acknowledge the Privacy Policy, Terms, and agree to electronic communications from Homestead Capital Partners (NMLS #2587985) and NEXA Lending LLC (NMLS #1660690).

This is an estimation tool. Your actual loan terms will be determined after full application and underwriting. Not a commitment to lend.

Talk to a specialist

Enter your info and Jon will follow up within 24 hours — no pressure, no obligation.

Homestead Capital Partners

NEXA Lending

AXIA Capital

OTC Calculator Suite Preview

Construction Budget

Ready to take the next step on your build?

Get Your Full Report

Lot-as-Down-Payment LTV

Want a specialist to confirm your lot equity math?

Get Your Full Report

Draw Schedule Visualizer

Ready to lock your OTC scenario?

Get Your Full Report

Interest-Only Construction Payment

Rate-lock options available for qualified borrowers.

Get Your Full Report

Builder Qualification Checklist

Qualified builders get direct draw management with HCP.

Get Your Full Report

VA OTC Entitlement

Ready to build with your VA benefit?

Get Your Full Report

Talk to a specialist

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