Get a free build-cost range tied to your state, ZIP, foundation, and finish, plus a starting-point loan amount to bring to lender qualification. Then order your full Cost To Build Report and get matched with a construction-loan specialist.
A planning starting point only — not a loan offer, quote, or appraisal. Final budget and loan amount are set by your builder contract and your lender.
| If you put down… | Down payment | Starting loan amount |
|---|---|---|
| Conventional · 20% | $83,500 | $334,000 |
| FHA · 3.5% | $14,500 | $403,000 |
| VA / USDA · 0% | $0 | $418,000 |
Rough planning range based on your inputs and regional cost indices — not a quote, appraisal, or loan offer. Your plan, lot, selections, and builder contract move the number; the full report prices all 60+ items to your exact ZIP.
We'll price your Cost To Build Report to your ZIP, foundation, and choices on the next step.
Each step builds on the last — and keeps you, your lender, and your builder working from the same starting point.
The calculator above gives a starting-point construction range and loan amount in seconds. Great for early planning and a first lender conversation.
Order the full StartBuild report — 60+ line items priced to your plan and ZIP, exportable to PDF/Excel. This is the document a lender wants to see for qualification. From $32.95.
Bring your report to a matched construction-loan specialist. Your final budget, loan amount, and terms are set with the lender and your builder contract.
Share it — with your approval — with the construction-loan specialists you choose, so they can help you get qualified. You stay in control and can revoke access anytime.
Share & match your reportBuilder-grade finishes, standard fixtures and cabinetry, efficient footprint. The lowest cost-per-square-foot tier.
Mid-grade upgrades — quartz counters, LVP/tile, upgraded appliances. The typical custom-build choice.
Premium materials, custom millwork, high-end mechanicals. Highest cost and longest build timeline.
This tool is here to help you and your lender focus on a sensible starting-point budget and a starting-point loan amount. It is an estimate for planning only.
Your final budget, final loan amount, rates, and terms will be determined directly between you, the lender you choose, and your builder contract — and they will change as plans, selections, your lot, and underwriting are finalized.
AllConstructionLoans.com is an independent resource powered by StartBuild. We are NOT a bank, mortgage lender, or direct provider of construction loans, and we do not fund, underwrite, or originate loans. The Cost To Build Report is produced by StartBuild / CostToBuildAHouse.com. Nothing here is financial, legal, lending, or appraisal advice.
Order your Cost To Build Report, then get matched free with a construction-loan specialist in your state.
