C-PACE cost calculator
Ordinary loan calculators get C-PACE wrong because they treat it as a mortgage. This one models the assessment over a long fixed term and puts a bridge loan on the same project beside it, so you can see what the short-term option actually leaves you holding.
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per year, fixed, collected with property taxes
- Total paid over term
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- Total finance cost
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- Owed at maturity
- $0 — fully amortised
- On sale
- Transfers to the buyer
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per year, interest only
- Interest paid over term
- —
- Principal due at maturity
- —
- Refinance required
- Yes, at whatever rates exist then
- On sale
- Must be paid off at closing
Arithmetic only, on the inputs above. Closing costs, programme administration fees, capitalised interest during construction and any prepayment terms are not modelled. Not a quote and not a commitment to lend.
How to read these numbers
How is a C-PACE payment different from a loan payment?
A C-PACE obligation is collected as a special assessment on the property tax bill, usually once or twice a year rather than monthly. The arithmetic of amortisation is the same, but the payment shows up with your taxes and, critically, it does not have to be refinanced or repaid when the property sells — it transfers with the building.
Why does the bridge loan comparison show a balloon?
Because that is what a bridge loan does. It is priced for a short hold and almost always ends in a refinance or a sale. The comparison holds both structures to the same project amount so you can see the difference between paying interest for three years and then owing the principal, versus amortising over decades at a fixed rate.
Are these numbers a quote?
No. This is arithmetic on the inputs you type. Actual C-PACE pricing depends on the state programme, the capital provider, the property and the improvements being financed, and every deal carries closing and programme administration costs this calculator does not model.
Want the real numbers for your project?
Send the property and the scope. We will come back with what the programme in your jurisdiction actually prices at, including the costs this calculator leaves out.
- Commercial and business purposes only — we do not place consumer loans.
- If the project does not qualify, we say so and tell you what would change that.
- No credit pull to get an answer on program eligibility.