Plan Your Build

What would your cottage really cost?

Base price is just the start. Get the honest all-in picture: home, sitework, land, and what it means per month.

Pick your cottage

Every model is offsite-built for predictable pricing. Prices shown are base price. We'll layer in the rest as you go.

Who’s this home for?

Your land

Land is often the biggest swing in the whole picture. Where are you in the process?

Ballpark land budget: $120,000

$40k$300k

No rush. This is just a placeholder so the numbers below feel real. You can always come back once you've found a lot.

Sitework

Grading, utility connections, driveway, permits. How would you describe the lot you have in mind?

Most likely sitework: $37,500

$30k$45k

Sitework varies more than anything else: slope, well or septic vs. city utilities, driveway length. A $650 feasibility study nails this down for a specific lot. Book a feasibility study

The picture

Here's the honest all-in, updating live as you adjust anything above.

$370k – $385k

All-in: home, sitework, land, and the feasibility study.

Home $219,770

Sitework $37,500

Land $120,000

Feasibility $650

What that means per month

≈ $2,118 – $2,204 / mo

Principal & interest only. Taxes, insurance, and HOA (if any) are on top.

Down payment: 10%

5%50%

Construction-to-perm loans typically start around 10% down.

Interest rate: 6.55%

4.5%9.5%

Typical 30-yr rate, July 2026. Adjust to what you're quoted.

These are honest ballparks, not quotes — every lot and loan is different. This calculator is educational, not financial advice. Your lender confirms real numbers; we confirm real sitework.

Ready When You Are

Ready to talk through your numbers?

Grab 30 minutes with our team. We will walk through your budget, what your land will need, and which model fits it. No pressure.