underwriting and offer workspaces · Intermediate
Reserves and holdbacks funding bridge
Calculate cash usable at closing and later funded stages. Includes committed-to-funded proceeds waterfall with separate restricted funds.
Your assumptions
Illustrative starting values. Replace them with your own evidence. Inputs stay in this browser.
Your scenario, explained
Results
Calculation assumptions
Version 1.0.0 · Educational scenario, subject to the stated assumptions.
How this calculation works
Method and assumptions
Gross debt plus new cash equity less fees, costs, reserve funding, holdbacks, payoff and other uses gives signed cash surplus or funding shortfall.
Worked example
A $3 million commitment less a 1% fee ($30,000), $35,000 other costs, $75,000 reserves and $150,000 repair holdback leaves $2,710,000 available from the loan at closing. After the $2.5 million existing payoff and $200,000 other uses, the surplus is $10,000. No new equity is entered in this default example.
Before using the result
Know the boundaries
- Educational scenario, not a quote, commitment, approval, appraisal or payoff statement.
- Defaults and thresholds are editable illustrations; the executed documents and lender underwriting control.
- A holdback is unavailable at closing; later reimbursements are not new unrestricted loan proceeds. Do not enter the same reserve or use twice.
Method references
Discuss your financing with Jaken Finance Group ↗Keep working through the decision
Related resources
Construction commitment, funded balance and interest
Model construction interest from the draw schedule and distinguish committed principal, financed fees and sponsor-paid carrying costs.
Equal commitments, different usable proceeds
Compare commercial loan proposals by funded balance, restricted cash, future advances, fees and the timing of usable proceeds.
A financing sources-and-uses schedule that balances by phase
Build an editable financing budget that reconciles deposits, closing funds, future advances and sponsor equity without counting the same dollar twice.