How to plan your home construction budget

Building a home is one of the largest investments most families make. Start with a clear scope document, allocate 8–12% for contingencies, and align finishes to your priority rooms first.

Work with your builder on a milestone schedule so cash flow matches progress. Transparent line items help you compare apples to apples across vendors.

Key takeaways

• Separate structure, MEP, and interior budgets
• Lock provisional sums for kitchens and bathrooms
• Review change-order policy before signing