/calculators/financing
Financing Comparison
HELOC vs. contractor financing — see the true cost difference over the full loan term.
Methodology reviewed by · Leonard Thompson · LC Thompson Construction Co. · Version 2026.Q1
Cost of Financing
Difference: —
HELOC Total
—
—
Contractor Total
—
—
HELOC Interest
—
Contractor Interest
—
Opportunity cost: Paying cash? You’d lose — in investment returns over 10 years at 7% annual growth. Total real cost of cash: —.
Financing Inputs
$
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