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New Construction Calculator

New Construction Total Cost Planner

A newly built home may include costs that aren't reflected in its advertised price—from lot premiums and structural options to design upgrades, closing expenses, and move-in costs. Use this planner to estimate the full financial picture, understand when cash may be needed, and identify what still requires verification.

Interactive Estimator

New Construction Total Cost Planner

Estimates based on the values you enter. Nothing is sent or stored. No account or email required.

Home & base price

The advertised price may exclude lot premiums, selected upgrades, and other builder charges. It is the starting point, not the assumed final price.

Lot, structural & design costs

What gets added to the base price. Closing costs, down payment, financing, and moving costs are NOT included here.

Builder incentives

Incentives affect different parts of the transaction and are not interchangeable. Each is applied only to its eligible bucket — never subtracted wholesale from the price.

Interest rate buydown

Other incentives

Deposits, down payment & closing costs

Distinguish cash already paid, cash due before closing, and cash due at closing. A deposit credited at closing reduces the closing-day payment but not your overall cash commitment.

Builder deposits

Down payment
Closing costs
Monthly ownership costs

Illustrative only — no lender approval or affordability guarantee is implied. A lender confirms actual terms.

Property taxes
Other recurring
Move-in & construction delay costs

One-time setup costs plus a planning contingency. Delay costs are only the genuinely incremental expenses a delay would add.

Move-in expenses

Contingency allowance

Hypothetical construction delay

A planning assumption only — not a prediction that the builder will be delayed.

Questions for professionals

Add your own. These are included in the printed cost plan.

Personal notes

Any context you want to carry into the printed cost plan.

Your New Construction Cost Plan

Enter an advertised base price to begin your estimate. Your contract price, cash requirements, monthly ownership cost, and move-in allowance will appear here as you add values.

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What We Believe

Understanding Before Action.

A useful tool makes the tradeoffs easier to see. Your results are a starting point for questions, verification, and a more informed next step.