Land & Farm Financing

Land & Farm Loan Calculator

Estimate your monthly payment on land or a home on acreage. Land loans work differently from home mortgages — bigger down payments, shorter terms, and higher rates — so this covers land, farm/ag, land-with-home, and VA (for a home on the ground).

Land / Property Price

$
$50K$800K

Loan Type

Financing for raw or recreational land through local ag banks and the Farm Credit system. Larger down payments and shorter terms than a home mortgage.

Loan Term

Down Payment

25%$62,500

Interest Rate

%

Leave blank for estimated rate. Check today's rates →

Annual Property Tax

$

Pulaski County avg: ~1% of value/yr

Estimated Monthly Payment
$1,952
per month
Principal & Interest
$1,627
Property Tax (est.)
$200
Homeowner's Insurance
$125
$188K
Loan Amount
$63K (25%)
Down Payment
$203K
Total Interest
$7K
Income Needed/mo
Get Pre-Approved →

Estimates only — not a loan commitment. Rates change daily.

Understanding Your Options

Which Loan Is Right for You?

Land Loan Loan

Financing for raw or recreational land through local ag banks and the Farm Credit system. Larger down payments and shorter terms than a home mortgage.

Best For

Buyers of recreational tracts, hunting ground, or timber with 20–35% down.

Advantages

Buy hunting, timber, or recreational ground
No mortgage insurance
Local lenders who understand rural land
Survey and closing costs can sometimes roll in

Considerations

Larger down payment — often 20–35%
Shorter terms and higher rates than a mortgage
Raw, undeveloped land is hardest to finance
Some lenders use balloon structures
Ready to Move Forward?

Get Pre-Approved Today

A pre-approval letter shows sellers you're serious — and gives you confidence to make offers quickly in a competitive market.