LAND-TO-BUILD PROGRAM
Turn Your Land Into
Your Dream Home
Own land in Florida? Your equity can be your down payment. Our land-to-build program handles everything from site assessment to move-in day—often with $0 out of pocket.
Why Land-to-Build?
Building on your own land is the smartest path to instant equity. Here's how we make it simple.
Use Land as Down Payment
Your land equity can cover the entire down payment. Many clients build with $0 out of pocket.
One-Time Close Loan
Construction and permanent financing in one loan. One closing, one set of fees, locked-in rate.
Expert Guidance
We've built 500+ homes. You get our expertise on site prep, permits, timelines, and budgets.
Fixed-Price Contracts
Know your total cost upfront. No surprise change orders or cost overruns.
The Land-to-Build Math
Why building creates instant equity.
Example: 2,000 sqft Home Build
Your Investment
Market Value at Completion
Using land as down payment: $0 - $20,000 out of pocket
The Land-to-Build Process
From vacant lot to move-in day—here's every step.
Land Assessment
We evaluate your lot for buildability, utilities, zoning, and potential issues.
Design Selection
Choose from our curated plans or bring your own. We help optimize for your lot.
Financing Approval
Get pre-approved for construction financing through TRULUX Financial.
Permits & Prep
We handle all permits, surveys, and site preparation.
Construction
Build begins. Regular updates and milestone inspections keep you informed.
Final Walkthrough
Comprehensive inspection before closing. We address any items.
Move In
Construction loan converts to permanent mortgage. Welcome home!
Is Your Land Buildable?
Not all lots are equal. Here's what we assess.
Zoning & Use
Confirm residential use is allowed. Some lots have restrictions on home size, style, or use.
Utilities
Water, sewer, electric, gas access. Off-grid lots need wells and septic, which add cost.
Flood Zone
AE zones require elevation or flood insurance. Some zones aren't buildable at all.
Setbacks
How close can you build to property lines? This determines your buildable area.
Soil Conditions
Poor soil may require deeper foundations or soil stabilization. A geotech report reveals this.
Access
Is there road access? Legal easements if your lot doesn't front a road?
Understanding Build Costs
What goes into the total cost of building a home in Central Florida.
| Component | Typical Range | Notes |
|---|---|---|
| Site Work | $15,000 - $50,000 | Clearing, grading, driveway, utilities connection |
| Foundation | $15,000 - $35,000 | Slab or pier, depending on soil and flood zone |
| Structure | $80 - $150/sqft | Framing, roofing, exterior |
| Systems | $40 - $60/sqft | Plumbing, electrical, HVAC |
| Finishes | $50 - $100/sqft | Drywall, flooring, cabinets, paint, fixtures |
| Permits & Fees | $5,000 - $15,000 | Impact fees, permits, inspections |
Total Build Cost Estimate
$180 - $250
per sqft (entry-level)
$250 - $350
per sqft (mid-range)
$350+
per sqft (luxury)
*Includes site work. Actual costs depend on lot conditions, finishes, and design complexity.
Mistakes to Avoid
Learn from others' experience. These are the most expensive mistakes land buyers make.
Common Land-to-Build Mistakes
- Buying land without checking buildability (zoning, setbacks, utilities)
- Underestimating site prep costs (clearing, fill, drainage)
- Not factoring in impact fees and permit costs
- Choosing a builder based on lowest price (often means cut corners)
- Skipping the geotech survey (soil problems are expensive)
- Not getting construction financing pre-approval before buying land
Our free land assessment identifies these issues before they become expensive problems.
Book Free AssessmentFinancing Built In
TRULUX Financial specializes in construction loans. One-time close, competitive rates, and seamless coordination with our build team.
Land-to-Build FAQs
Common questions about building on your land.
Most construction loans require 20-25% equity. If your land is worth $100,000 and you're building a $400,000 home, your land covers 20% of the $500,000 total. You may need little or no additional down payment.
Yes! We can pay off your existing land loan as part of the construction financing. Your equity (land value minus loan balance) counts toward your down payment.
From initial consultation to move-in, expect 9-14 months. This includes 1-2 months for design and financing, 1-2 months for permits, and 6-8 months for construction. Timelines vary by lot complexity and permit jurisdiction.
We can help you find suitable land! We know which lots are buildable, which have issues, and which are good value. Our land acquisition service saves clients from costly mistakes.
Both. We have a collection of proven floor plans that can be customized, or we can build from your architect's plans. Custom plans require additional engineering and may extend the timeline.
Construction loan rates are typically 0.5-1% higher than permanent mortgages. With a one-time close loan, you lock your permanent rate at the start. Typical closing costs are 2-4% of loan amount.
We provide a 1-year workmanship warranty, 2-year systems warranty, and 10-year structural warranty. Major components (HVAC, appliances) have manufacturer warranties.
Minor changes yes, major changes maybe. Changes after permits are issued require re-engineering and new permits, adding cost and time. We recommend finalizing decisions before construction starts.
Have land? Let's talk.
Free 30-minute consultation to assess your lot and discuss your options.
CONSTRUCTION LOANS
Need Construction Financing?
Our construction loan specialists can help fund your project from ground-up to completion.