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Build Cost Estimator

Detailed budget breakdown with land, labor, materials, permits, and construction timeline.

Project Details

Land Cost ($)

Home Size (sq ft)1,800 sq ft

8005,000

Build Quality

Interest Rate (%)6.5%

4%9%

Est. Monthly Payment

$1,903

30-yr fixed · $0 down · USDA

Total Project

$301,000

Land + Build

Down Payment

100% financed

Build Cost

$261,000

1,800 sqft

Build Time

~2 mo

~6 weeks

Budget Breakdown

Land

$40,000

13%

Labor

$104,400

35%

Materials

$114,840

38%

Permits & Fees

$13,050

Other / Contingency

$28,710

10%

Construction subtotal$261,000

Land$40,000

Total$301,000

Line-Item Detail

Land acquisition

Purchase price

$40,000

Site prep & excavation

Grading, clearing, utilities stub

$18,792

Foundation & concrete

Slab, footings, basement if applicable

$22,968

Framing (labor)

Structural framing crew

$31,320

Roofing (labor)

Sheathing, shingles, flashing

$10,440

MEP rough-in (labor)

Mechanical, electrical, plumbing

$20,880

Lumber & structural

Framing lumber, LVL beams

$34,452

Roofing materials

Shingles, underlayment

$13,781

Windows & doors

Frames, glazing, hardware

$16,078

Interior finishes

Flooring, cabinets, paint, fixtures

$32,155

HVAC & mechanical

Equipment + ductwork

$18,374

Building permit

Local government fee

$7,178

Inspections

Multiple phase inspections

$3,263

HOA & utility hookup fees

Water, sewer, electric connection

$2,610

Contingency reserve

10–12% buffer recommended

$28,710

Construction Timeline

6 weeks · 2 months

Loan Approval & Permits

Wk 1–1

Site Prep & Foundation

Wk 1–2

Framing & Roofing

Wk 2–3

Mechanical, Electrical, Plumbing

Wk 3–4

Interior Finishes

Wk 4–5

Inspections & Certificate of Occupancy

Wk 5–6

Timeline Notes

Timelines vary by contractor availability and weather conditions.
Modular homes may compress the framing phase by 4–6 weeks.
USDA draw inspections occur at each major phase before funds are released.
Certificate of Occupancy required before moving in and loan conversion.