The proposed scope may include the land, home and selected options, delivery, installation or foundation, permits, site preparation, utilities, and access. Ask for a written breakdown of included items and costs you will pay separately. Allow for closing costs and a contingency for unexpected work.
Certain loan programs allow eligible site preparation, delivery, installation, utility work, and other approved improvements to be financed with the home and land. Inclusions depend on the lender and agreed project scope.
One closing does not mean the home is ready to occupy that day. With some single-closing construction loans, financing and the land purchase close before the home is installed. Site work, delivery, installation, inspections, and approval for occupancy follow. Your lender and project team will explain the schedule for your project.