Ground penetrating radar (GPR) is a viable tool for fast and high fidelity detection of concealed explosive threats. The radar effectiveness is limited by scattering from rough terrain which considerably obscures the buried target response. To calculate the rough ground scattering, a 3-D full-wave algorithm such as finite-difference frequency-domain (FDFD) method is required but is often prohibitive for multiple frames when the GPR antennas are distant from the target region. This paper presents a real-time 3-D modeling of a moving platform forward-looking GPR scattering from rough terrain located at great electrical distances from the GPR antenna. For a synthetic aperture, the computational domain of the focal region is reduced to a very small subset of the entire observed volume, and the surface clutter is computed via a mere multiplication of a precomputed impulse response matrix of the rough ground with the matrix characterizing the GPR transmitting signal. For a vehicle-mounted GPR detection system, this results in a significant reduction of complexity and saving of computation resources. The effectiveness of the algorithm is evaluated through an implementation of 3-D Monte Carlo simulation for various rough surface parameters. Our developed model compares well with the direct FDFD results, and can be used for lossy and frequency-dispersive soils.