Land-Home Calculator

Land-Home Package Deal Calculator

Budget your land-home project. Price every line, from the lot and a new manufactured home to the septic, well, power and foundation. See your total cost, your 20%, the loan and your profit, then download it as an Excel file you can keep editing.

Explore land-home package loans →

Interactive Calculator

Land-Home Project Calculator

Typical prices are filled in. Replace them with your quotes and bids, and the totals update as you type.

How It Works

How the numbers work

The calculator follows how we structure land-home loans: you put in the first 20% of total project cost, and the loan funds the rest as the work is done. For a full example project, see our land-home packages guide.

Your 20% and the loan

The loan covers up to 80% of total project cost: land, home, site work and the interest reserve. Your 20% is the land plus a deposit on the home, paid at closing. Land you already own counts. Fees are paid at closing and never financed.

Loan = 80% of total project cost

Where the prices come from

Home prices come from the U.S. Census Manufactured Housing Survey (2025 and early 2026). Site work ranges come from 2026 cost guides and Florida state and county fee schedules. Your own bids always win. Every range is explained in our land-home package cost breakdown.

Census survey: new home prices

2026 cost guides: site work

Florida: septic rules and impact fees

Build for an FHA or VA buyer

Most buyers of a finished land-home use FHA, VA or conventional financing. Plan these from day one so the home qualifies:

HUD label on the home

Permanent foundation, engineer certified

Home titled with the land

Never installed at another site

Steps at every exterior door