Calculators

Financial Calculators for Land Loans and Patronage

Use AgSouth's financial calculators to explore what your financing could look like before you apply. Estimate payments with our land loan calculators and see how patronage may add value over time with our patronage calculator. These are designed to help farmers and landowners  make more informated decisions.

Land Loan Calculator

Amount Financed:
$0
Monthly Payment:
$0
This is an estimate of loan payment. Actual payment amount may vary depending on interest rate, closing date, and other factors.

Construction to Permanent Interest-Only Monthly Payment Calculator

Change the interest rate and draw balance to see how it will affect your monthly payment. Interest rates are for estimation purposes only and do not constitute a rate quote, loan approval, or commitment to lend. Actual loan terms and rates may vary.

Estimated Interest-Only Monthly Payment
Based on 12 months of construction. Results from this calculator are estimates only and may not reflect actual loan terms or payment obligations. This tool does not guarantee loan eligibility, approval, interest rate, or payment amount. Actual payment obligations may differ due to changes in interest rates, construction draw schedules, accrued interest, loan modifications, escrow obligations, fees, insurance, taxes, and other factors.

Patronage Calculator

$
%

Here is your estimated Patronage Distribution: ESTIMATED PATRONAGE

After receipt of your distribution, patronage effectively lowers your total interest cost for the first year of your loan from $XXXXX to: EFFECTIVE INTEREST EXPENSE

This effectively lowers your interest rate from XXXX to: EFFECTIVE INTEREST RATE

*This estimate is used for the general pool only. Results based on a term year average of 20%. Past performance not a guarantee of future payouts. Calculations do not account for time value of money or distinguish between returns made in cash and in allocated surplus. Talk to a loan officer for details.