{"id":1397,"date":"2026-09-30T23:44:11","date_gmt":"2026-10-01T03:44:11","guid":{"rendered":"https:\/\/arvcalc.com\/blog\/hard-money-loan-costs\/"},"modified":"2026-09-30T23:44:11","modified_gmt":"2026-10-01T03:44:11","slug":"hard-money-loan-costs","status":"publish","type":"post","link":"https:\/\/arvcalc.com\/blog\/hard-money-loan-costs\/","title":{"rendered":"Hard Money Loan Costs: Rates, Fees, and Real Numbers (2026)"},"content":{"rendered":"

I have closed twelve hard money loans since 2019. Every single time, I thought I understood the full cost going in \u2014 and every single time, a fee I missed trimmed my profit. Hard money loan costs<\/strong> on a typical fix-and-flip run between $15,000 and $28,000 once you add interest, points, and every line item the lender buries in the closing docs. This article breaks down those costs with exact numbers, two worked examples from real markets, and a list of fees most borrowers miss until the HUD-1 lands on their desk.<\/p>\n

If you want to stress-test your own deal, open the hard money loan calculator<\/a> in another tab and follow along. Plug your purchase price, loan amount, rate, and hold time into the tool and compare the output with the numbers below.<\/p>\n

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