This is the guaranteed price for the home based on the attributes you have selected during the "Home Attributes Selection" step. The home attrbutes price includes a finished home with bronze level finishes.
The Home Packges price is the total price of all of the packages you have selected. Bronze pricing is included in the Home Attributes price. Therefore, the Home Packages price is the total cost of the packages that you have selected in the Silver, Gold, or Platinum package level.
The Land + Site + Home Cost is adding the land cost (based on the land value you entered), the site costs (based on the average value of your area or the value you entered), and the total Home Cost. The total Home Cost includes the Home Attributes and the Home Package costs.
This is your estimated monthly mortgage payment for principal and interest. We assume your loan amount will be 80% of the Total Land, Site, and Home Costs. We use the average national 30 year fixed rate in the calculation.
This is the estimated down payment for your mortgage. We assume a 20% downpayment. We assume the land value, site cost, and home costs are included in the mortgage.
Fine-tune the parameters of your new home by choosing your desired attributes below.
-Bedrooms can be placed on any floor of the house
-Price includes bronze packaging
-Bronze, Silver, Gold, and Platinum selections are available in the “packages selection” section
-Size of room is an average size corresponding to the size of the home (based on sqft selected)
-Bathrooms can be placed on any floor of the house
-Price includes bronze packaging
-Bronze, Silver, Gold, and Platinum selections are available in the “packages selection” section
-Size of room is an average size corresponding to the size of the home (based on sqft selected)
-The sqft selected is for the floors of the home above the basement. All rooms selected in the house must fit into the sqft selected.
-The basement (if selected) sqft will match the sqft of the first floor (not including the garage). For a two story home, the basement sqft is approxomately two fifths of the sqft selected here. For a single story home, the basement sqft is approximately equal to the sqft selected here.
-If a loft is selected, it is the only room that adds finished sqft above the sqft selected here.
not including basement Total liveable finished sqft approx. 0.-The number of stories selected is the number of floors above the basement (if selected)
- 1 is a single storey home (above basement)
- 2 is a two storey home (above basement)
not including basement–Assumes 250 sqft per garage space
-Price includes bronze packaging
-Bronze, Silver, Gold, and Platinum selections are available in the “packages selection” section
-Price includes bronze packaging
-Bronze, Silver, Gold, and Platinum selections are available in the “packages selection” section
-Size of basement is an average size corresponding to the size of the home (based on sqft selected)
Adds approx 0 sqft to total .-Price includes bronze packaging
-Bronze, Silver, Gold, and Platinum selections are available in the “packages selection” section
-Size of room is an average size corresponding to the size of the home (based on sqft selected)
-Price includes bronze packaging
-Bronze, Silver, Gold, and Platinum selections are available in the “packages selection” section
-Size of room is an average size corresponding to the size of the home (based on sqft selected)
-Price includes bronze packaging
-Bronze, Silver, Gold, and Platinum selections are available in the “packages selection” section
-Size of room is an average size corresponding to the size of the home (based on sqft selected)
-Price includes bronze packaging
-Bronze, Silver, Gold, and Platinum selections are available in the “packages selection” section
-Size of room is an average size corresponding to the size of the home (based on sqft selected)
-Price includes bronze packaging
-Bronze, Silver, Gold, and Platinum selections are available in the “packages selection” section
-Size of room is an average size corresponding to the size of the home (based on sqft selected)
-Price includes bronze packaging
-Bronze, Silver, Gold, and Platinum selections are available in the “packages selection” section
-Size of room is an average size corresponding to the size of the home (based on sqft selected)
-Price includes bronze packaging
-Bronze, Silver, Gold, and Platinum selections are available in the “packages selection” section
-Size of room is an average size corresponding to the size of the home (based on sqft selected)
-Price includes bronze packaging
-Bronze, Silver, Gold, and Platinum selections are available in the “packages selection” section
-Size of room is an average size corresponding to the size of the home (based on sqft selected)
-Price includes bronze packaging
-Bronze, Silver, Gold, and Platinum selections are available in the “packages selection” section
-Size of room is an average size corresponding to the size of the home (based on sqft selected)
- Selecting a loft adds living space at the attic level
Price includes bronze packaging
-Bronze, Silver, Gold, and Platinum selections are available in the “packages selection” section
Adds 0 sqft to total.-Price includes bronze packaging
-Bronze, Silver, Gold, and Platinum selections are available in the “packages selection” section
-Price includes bronze packaging
-Bronze, Silver, Gold, and Platinum selections are available in the “packages selection” section
-Price includes bronze packaging
-Bronze, Silver, Gold, and Platinum selections are available in the “packages selection” section
-Price includes bronze packaging
-Bronze, Silver, Gold, and Platinum selections are available in the “packages selection” section
-Price includes bronze packaging
-Bronze, Silver, Gold, and Platinum selections are available in the “packages selection” section
-The floor height is the height from floor to ceiling
Represents the footprint of the 2nd floor that matches the 1st floor. Maximum price efficiency is attained when the second floor footprint is very similar to the 1st floor.
When rooms are larger than 20x20, steel beams maybe required to span the weight of the floor. This is mostly true in basements and main levels.
Ceiling angles upward on one or both sides to create volume in the room.
The cost assumes that 500 sqft of the top floor is vaulted.
Yep, these prices are guaranteed, you are providing enough information that we don’t even need a house design!
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Stories | 0 |
Garage | 0 |
Framing Type | 0 |
Basement | 0 |
Other Rooms & Options | 0 |
Floor Height | 0 |
Other Attributes | 0 |
House Plans & Eng. | 0 |
Interior Designer | 0 |
Home Attributes as Configured | 0 |
View and choose your desired package level for each home feature.
Packages will be available once you set the home attribute on first step
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Package Pricing | |
Kitchen | 0 |
Bedrooms | 0 |
Bathrooms | 0 |
Other Rooms | 0 |
Interior | 0 |
Exterior | 0 |
Behind the Scenes | 0 |
Others | 0 |
Total Package Price | 0 |
Total Home Price | 0 |
Yep, these prices are guaranteed, you are providing enough information that we don’t even need a house design!
Click any of the icons above that tickle your fancy.
Many banks give you two options for the loan(s) you choose:
One Time Close Benefits
Two Time Close Benefits
Ziberty Recommendation
Ziberty recommends a one-time close option in most cases. Typically the one-time rates are a little higher than the permanent financing rates. However, you cannot get the permanent financing rates prior to the home being complete. What really matters are the permanent rates compared to your one-time close rate when the home is finished. If the permanent rates are better, you can always refinance when the home is finished. Even if you chose a two-time close, you are essentially refinancing anyway with the second closing at the time the home is finished. Basically we think the one-time close has all the benefits, i.e. lock in a rate and there is no penalty to refinance to a lower rate (if available) when the home is finished, with limited negatives.
What's Very Similar?
What is Different?
Most constructoin loans are interst only during construction. Are the banks just trying to get more money out of you? Not really, the banks found that customers wanted ways to reduce their debt payments during construction. That is because most people are paying an additional mortgage or rent for their existing home while the new home is being constructed. Two home payments is a lot to cover for 6-12 months. The interest only payment will be significantly lower than a principal and interest payment. For example, at the point of construction where you have borrwed $800k between the land and construction, your interest only payment will be $1,110 less than a principal and interest payment. That can make a big diffferent while you are making two house payments.
Explanation coming soon.
Bank |
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Highlights |
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- Very helpful with the construction loan process |
Pre-Approval
Explanation coming soon. Contact |
Bank |
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Highlights |
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- Highly flexible construction loan options |
Pre-Approval
Explanation coming soon. Contact |
This default site cost is at the low end of your market. You can change this number if you choose to.
Site costs typically include:
Costs in the DC region typically range from $100k - 200k. Ziberty's home prices are guaranteed, but site costs cannot be guaranteed until the grading permit is issued by the proper municaplity. We can estimate your site costs by reviewing the lot. We can fine tune the site cost estimate after the engineers create the grading/site plan. When the grading permit is issued, we can then provide a guaranteed price becuase the scope of the site work has been finalized.
Some site related costs are included in Ziberty's home cost (all based on set sizes/area). They are:
These are costs that are not typically included in the home price, which is something to consider if you are comparing Ziberty's price to a competitor.
The framing type is primarily how the above grade exterior walls are constructed. Regardless of the framing type selected, the foundation walls of all Ziberty homes are poured concrete.
Conventional Wood Framing
Conventional wood framing is how the vast majority of homes built in America (outside hurricane zones) are constructed. The exterior wall structured is primarily 2x4 or 2x6 wood studs with OSB sheeathing on the outside. The sheating is wrapped in a moisture resistance barrier or comes with the moisture reistance baked into the OSB.
SIP Walls
SIP stands for structural insulated panel. The panels consist of an insulating foam core sandwiched between two structural facings, typically oriented strand board (OSB). The primary benefit of SIP Wall is improved energy efficiency of the home as compared to a conventional wood framed house with regular batt insulation. To learn more about SIPs, we recommend SIPs.org (click here).
Insulated Concrete Forms - ICF
Insulated concrete form walls (ICF) have hard foam on the exterior and interior side of the wall with pourced concrete and rebar in in between. The walls are built using hollow hard foam blocks. The blocks are stacked on each each other to form the walls, rebar is placed in cavities of the blocks, and concrete is poured into the concrete. ICF walls are very energy efficient, strong, quiter, highly wind resistant, and fire resistant. To learn more about ICF walls, we recommend ICF Magazine (click here). For a quick video, check out this ICF Video (excuse the pitch by this particular brand of ICF)
Timber Framing
Timbrer Framing is the use of heavy timbers (posts and beams) for the structural framing of the home. The timbers can be held together with heavy duty metal brackets or with wood joinery, such as mortise and tenon. The sections in between the posts can be framed with regular conventional framing or SIP Walls. In the 21st century, the primary reason people choose timber framing is for the beauty of the wood exposed on the interior. The vasty majority of timber framed homes have the timbers exposed on the interior. To learn more about timber framing, we recommend TFguild.org (click here)
Very Few
-No curves or change in angles
Few
-Some 45' angles
Moderate
-Some curves
Many
-Increased amount of curvature
Very Many
-Extensive curvature
Very Simple
Gable Roof
Simple
Double Gable
Normal
Hip Roof or equivalent
Complex
Multiple Hip and Gable
Very Complex
Flat Roof (structurally complex to support snow and prevent leaks)
Front Garage Entry
Side Garage Entry
Courtyard Garage Entry
Basement Garage Entry
House Plans
If you select "House Plans", we'll use your selected floor plan characteristics as a starting place for designing your home from scratch while working with with one of our preferred architects. We can also gladly work with your own architect of choice or start from any floorplan you already have in mind (do not select House Plans in this case)
Engineering
After the home design is completed, the engineers will create the structural plans. If you select House Plans, then Engineering is automatically selected because we will use one of our preferred engineers if we are working with one of our preferred engineers (the architects and engineers are usually from the same firm). If you have your own set of plans or architect, but the plans do not include structural drawings, then you can select Engineering and use one of our preferred engineers to create the structrual plans. If you already have a structural set of plans, then you do need to select Engineering.
Interior Designer
Access to a kitchen and bath designer is included at no charge with all of our kitchens and master baths above the bronze level. Selecting Interior Designer here provides access to an interior designer for house. The level of involvement of the designer is determined by the chosen level of the interior designer package (Home Packages step).
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