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home-construction-loan-finance

your costs breakdown
is needed before getting your
100-Construction-Loan,
a list of your sub contractors,
and their estimate bids
is needed too



In estimating your home-construction-loan-finance and how much you need to borrow, your bank will probably give you a cost breakdown list like the one below. The one below is the cost breakdown we used and it was quite complete. However, I added in a few things that pertained to us, just as you should do in figuring your estimates.



We bought our tools and even our membership into our contractor's buying club and still stayed below the total construction loan figure. In addition, we had several additional charges, like change orders, and the addition of a basement, which was not on the original plans.





Cost estimate sheet Cost estimates for figuring your construction loan

Ask your bank for their suggested cost estimate sheet, if they have one. Your banker will generally help you so you don't underbid your construction amount.



I padded the figures by using the most expensive subcontractor's bid even tho we used the least expensive. That way we had more “lee-way” and didn't come up short in the end.

Your home construction-loan estimate doesn't have to be difficult but it does need to be thorough.




NEXT
....Getting city permit

THEN
....Footings + Foundations

MORE
...100 Construction Loan
....Estimate Bids
...Sub Contractors

SEE ALSO
....Our Personal Experience Building our Home

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