The structural choices that shape your build financing — with a quick comparison and links to the full guide.
| Type | Closings | Min. down | Best for |
|---|---|---|---|
| One-Time Close | 1 | 5–20% | Most new-home buyers wanting simplicity |
| Two-Time Close | 2 | 20%+ | Custom builds, rate-shoppers |
| Owner-Builder | 1–2 | 20–25%+ | Experienced self-builders / GCs |
| FHA OTC | 1 | 3.5% | Lower credit / lower down |
| VA / USDA OTC | 1 | 0% | Eligible veterans / rural builds |
One loan, one closing — build rolls into your mortgage automatically.
Read the guide →Short-term build loan refinanced into a mortgage at completion.
Read the guide →Be your own GC — fewer lenders, stricter approval, we surface the ones that offer it.
Read the guide →Government-backed one-time-close with low or zero down for eligible borrowers.
Read the guide →Get matched with specialists who'll walk you through the right program for your build.
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