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A budget for a custom-home project is a living, breathing animal. It will grow and shrink many times before the house is finished. Okay, it usually grows more than it shrinks, but the point is that it changes — a lot! You have to start somewhere. This section can help you create a preliminary budget to get started.

We provide more specific budgeting help in Chapter 10 where we explain how a lender budgets your project. If you’re financing this project through a lender, the lender’s budget takes precedence over yours, so you need to get the two in line as soon as possible.

Budgeting at the beginning of the custom-home process is a bit of a chicken-and-egg situation. You have to balance out the cost of the house with what you can afford. The problem is that the house may require more money than you have, which you can’t figure out until you design the house, and so on. The best method is to evaluate the two issues separately and then work to a compromise.