Pricing & Financing
Most builders won't put a number on their website. We think that's exactly why building feels scarier than it should. Here's the honest picture — ranges, drivers, and how the money actually works.
With Legacy Developments, custom homes typically start in the low $300s for a well-built 1,400–1,800 sq ft home, and our most popular builds run from the $400s. The three biggest cost drivers are square footage, foundation and site conditions, and kitchen and bath selections.
Starting Ranges
Every custom home is different — that's the point. But you deserve a real starting place, not "it depends." These ranges reflect the home itself; land and major site work are separate and we'll price those with you up front.
The big three cost drivers: square footage, foundation & site conditions, and kitchen & bath selections. Get those three right and the rest of the budget behaves.
Financing 101
You don't need the full price in cash — almost nobody builds that way. Here's the plain-English version of how families pay for a custom build:
A lender looks at your income and credit and tells you your build budget — just like a mortgage pre-approval, but for construction.
The construction loan covers the build (and sometimes the land). You typically pay interest only during construction.
As stages finish — foundation, framing, drywall — the bank inspects and releases payment. You're never handing us a giant check up front.
At move-in, the loan converts to a regular mortgage. One close, one set of fees with most local lenders.
Already own your land? That usually counts toward your down payment — which is why land-owners often build with less cash out of pocket than they expect. Bring us your situation and we'll walk you through it before you ever talk to a bank.
No Games
Your contract price is set after design, before ground breaks. Not a moving target.
If you upgrade a selection mid-build, you'll see the cost in writing before we order it. No surprise change orders.
We price allowances at what things actually cost in this market — not lowball numbers designed to make the contract look cheap.
