Bridge · Buy Before You Sell
Bridge Loan, Capital Gains Tax Exclusion & Payment Recast Calculator
Buy your next home before the current one sells. Estimate your usable equity, bridge payment, post-sale recast, and the capital gains tax you could save.
Built by Jim Blackburn · NMLS #1072866 · $500M+ closed · 7× Scotsman Guide Top Producer
80% max leverage on a primary residence; 75% on investment or second home.
Net equity you want to keep on hand instead of putting toward the new home.
~6% with a Realtor; add 1–2% for transfer taxes, title, attorney. Varies by state.
Capital gains exclusion: $250,000 individual / $500,000 joint.
0%, 15%, or 20% depending on your taxable income.
Summary
Equity Available
New Purchase
After Recast (departing home sells)
Capital Gains Tax Saved
Reinvest the Savings in Real Estate
Estimates only — not a commitment to lend.
By Jim Blackburn
Ready to Take Your First Step?
Skip the guesswork. Take our quick Discovery Quiz to uncover your top financial priorities, so we can guide you toward the wealth-building strategies that fit your life.
- Takes just 5 minutes
- Tailored results based on your answers
- No credit check required
Need a Pre-Approval Letter—Fast?
Buying a home soon? Complete our short form and we'll connect you with the best loan options for your target property and financial situation—fast.
- Only 2 minutes to complete
- Quick turnaround on pre-approval
- No credit score impact
Got a Few Questions First?
Let's talk it through. Book a call and one of our friendly advisors will be in touch to guide you personally.
Schedule a CallImportant Disclaimer
This calculator is for illustrative purposes only and does not constitute financial, legal, or investment advice. Results are based on general assumptions and may not reflect actual performance or eligibility. This is not a loan estimate or approval. Please consult with a licensed mortgage advisor before making financial decisions.