Budgeting Your Log Home - Creating a Checklist

If you've read my first article, BUDGETING YOURchoices). Poured concrete is the most expensive.
LOG HOME: Where do you start?, you've got aThese days, many people choose precast
very basic overview of the process. However,foundations for log homes, because they are so
there are still a number of questions I'd like toaccurate and don't require a footer. If you go this
address. Again, many of these questions will comeroute, you'll have to hire a mason to pour the
up if you build any custom home, but I'd venturefloor after the precast foundation is erected.
to guess the log home owners find themselvesRemember that if you choose to build on a slab,
deeper in the decision-making process thanyou're going to have problems routing your wiring,
someone dealing with a custom builder. After all,because this is normally done from the
the differences become apparent immediately asbasement.Your log home manufacturer is going to
the owners have to find their owngive you a quote for the package. Many people
manufacturer.Unless you have a pocket full ofwant the manufacturer to quote on a "turnkey"
cash, you're going to have to follow thehouse or at least a weathered-in shell, as a
construction loan mindset throughout thematter of convenience. However, this might not
budgeting process. I plan to devote a whole articlebe the way to go if you live in a different state
to the construction loan, but this pursuit will servefrom the mill. Do you really want to pay shipping
as a preliminary step before going to thefor plywood? In the end, having your contractor
bank.The biggest part of your budget will be thepurchase lumber locally could save you thousands
purchase of the land. With today's newof dollars, even it it's a little less convenient to
construction market - especially in New Jersey -calculate it initially. Your local builder will gladly give
the raw land constitutes 30%-40% of the totalyou a quote as long as he has a good set of
project (of course, in other states the land won'tpreliminary plans to work from.I started with a
be so much but your overall costs will be less,simple check list to sort out my budget. Luckily, I
too). It helps to purchase the land first so youfound a contractor who was willing to take over
know how much money you're going to have leftthe project and hire his own subs; his itemized
over.Then you need to figure out how much toquote helped me visualize all the elements that
set aside for your excavation, your driveway, andwent into the project. Then I added subs that I
your septic system. Before you can get to thishired separately (excavator, mason, landscaper,
number, it helps to hire a civil engineer to draw upetc.). Here are some line items that went on the
a survey and plot plan (you'll need the survey forchecklist: Air Conditioner, Appliances, Builder's
the mortgage company anyway). This will costProfit, Doors (interior), Doors (exterior), Driveway,
you a few hundred dollars. The plot plan willElectrician, Fireplace, Flooring, Foundation, Furnace
diagram where the house will go (and footprint of(or Boiler), HVAC Installation, Insulation, Interior
the house), the length of the driveway, whereTrim, Kitchen, Labor, Landscaping (Grass seed),
the septic and well will go. With this document,Lift equipment, Lighting Fixtures, Logs, Lumber
you can go to the excavator for a quote.Since(plywood, joists, 2x6s), Mason, Permits, Plumbing,
most log homes tend to be built in rural areas,Plumbing Fixtures (sinks, bathtubs, toilets), Roof,
you will probably have to install your own septicSanding and Staining, Septic, Staircase (if not
and well. The excavator who does your drivewayincluded in log quote), Tiles (kitchen & bath),
will most likely be the one who will dig your septic.Utilities, Well, Windows.Depending on your job site,
The well driller will probably be a differentyou may have other expenses. If the flatbed
company. These are both "wild cards", becausetruck carrying your logs cannot make it to the
the cost of the septic will depend on how well thesite, you'll have to make provisions to off-load the
land percs (short for percolate), and you don'tlogs elsewhere and have them brought in. If you
know how deep your well will go.Once again, theare set way back from the road, you may have
engineer will design a septic plan which will have toto pay for telephone poles, or pay for the
be approved by the county (in most states). Thetrenching. Also, your builder may require that you
cost of your septic could range anywhere frombring power to the site for his tools (most allow
$10,000 - $30,000. If you are setting the houseyou a few days of generator power, but not for
way back from the road, you must budget forthe whole job).It took a while to fill in all the blanks
that extra-long driveway. And if your lot is heavilyon my check list, but once I started looking at
wooded, you will have to pay extra for treeeach task individually, the project as a whole
removal; remember that you need to clear plentymade sense. Actually, the log package was the
of space to accommodate both the house and aeasiest part to deal with. In our case, the
large area around the house for the machinery tomanufacturer provided the logs only (and the
maneuver. You also have to consider a space todesign), which came out to less than 1/6 the total
put the logs after delivery.Once the location andcost of the house (not counting the land work).
footprint of the house is determined, you mayFor the rest, the costs are like any other custom
need to use a different contractor for thehome; then the question becomes "Who does
foundation. Foundations are not provided by thewhat?". After all, a little sweat equity goes a long
log home manufacturer (with rare exceptions).way.Mercedes Hayes is a Hiawatha Log Home
There are several ways to go: you can build on adealer and also a Realtor in New Jersey and
slab, a crawl space, or a full basement. You canPennsylvania. She designed her own log home
use a block foundation, a precast foundation, awhich was featured in the 2004 Floor Plan Guide
poured concrete foundation (these are the mainof Log Home Living magazine.