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To put all this information together, we suggest using the following template to make everything easier. You need to do your own research to fill in the spaces for your project, but the following is a sample preliminary budget for a typical custom-home project that you can scratch out on any napkin.

 Funds available: Add your available cash and the loan amount for your total budget, like this:Cash$175,000Loan amount$650,000a. Total budget$825,000

 Cost-to-build: Add all your costs together for your total cost.Land$200,000Soft costs (permits, plans, and fees)$40,000Hard costs ($160 × 2,650 square feet)$424,000Financing (interest and closing costs)$35,000Landscaping$40,000Hardscaping$25,000b. Total cost$764,000

This template can give you a starting point for budgeting, but you do need to educate yourself on each of these line items to get a real picture of your project’s costs. (Check out the Table of Contents to see where we discuss each topic for more information.)