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Draw Schedule Calculator
Enter your construction budget and see it broken into a 35-line milestone draw schedule — a common category structure for a single-family build, with a dollar amount for each phase. Edit any percentage to match your actual project.
$
100.0% allocated — balanced
| # | Line item | % of budget | Draw amount | Cumulative |
|---|---|---|---|---|
| Draw 01 — Foundation & Site Work · 15% | ||||
| 1 | Site work & grading | % | $9,000 | 3.0% |
| 2 | Footings | % | $9,000 | 6.0% |
| 3 | Foundation / slab | % | $27,000 | 15.0% |
| Draw 02 — Framing & Rough-In · 25% | ||||
| 4 | Framing — walls | % | $18,000 | 21.0% |
| 5 | Framing — roof | % | $12,000 | 25.0% |
| 6 | Roof decking & sheathing | % | $9,000 | 28.0% |
| 7 | Roofing (materials & install) | % | $9,000 | 31.0% |
| 8 | Windows | % | $6,000 | 33.0% |
| 9 | Exterior doors | % | $3,000 | 34.0% |
| 10 | House wrap & exterior sheathing | % | $6,000 | 36.0% |
| 11 | HVAC rough-in | % | $6,000 | 38.0% |
| 12 | Plumbing rough-in | % | $3,000 | 39.0% |
| 13 | Electrical rough-in | % | $3,000 | 40.0% |
| Draw 03 — Drywall & Mechanicals · 25% | ||||
| 14 | Low-voltage / structured wiring | % | $3,000 | 41.0% |
| 15 | Insulation | % | $9,000 | 44.0% |
| 16 | Drywall hang | % | $15,000 | 49.0% |
| 17 | Drywall tape & finish | % | $9,000 | 52.0% |
| 18 | Exterior siding / brick / stucco | % | $24,000 | 60.0% |
| 19 | Fascia, soffit & gutters | % | $6,000 | 62.0% |
| 20 | Stair installation | % | $3,000 | 63.0% |
| 21 | Exterior paint | % | $6,000 | 65.0% |
| Draw 04 — Interior Finishes · 25% | ||||
| 22 | Interior doors & trim | % | $9,000 | 68.0% |
| 23 | Cabinets | % | $12,000 | 72.0% |
| 24 | Countertops | % | $6,000 | 74.0% |
| 25 | Interior paint | % | $9,000 | 77.0% |
| 26 | Tile & flooring | % | $9,000 | 80.0% |
| 27 | Hardwood / carpet flooring | % | $6,000 | 82.0% |
| 28 | Plumbing trim & fixtures | % | $6,000 | 84.0% |
| 29 | Electrical trim & fixtures | % | $6,000 | 86.0% |
| 30 | HVAC trim & startup | % | $6,000 | 88.0% |
| 31 | Appliances | % | $6,000 | 90.0% |
| Draw 05 — Final & CO · 10% | ||||
| 32 | Mirrors, shelving & hardware | % | $6,000 | 92.0% |
| 33 | Exterior concrete (driveway/walks) | % | $9,000 | 95.0% |
| 34 | Landscaping & grading | % | $9,000 | 98.0% |
| 35 | Final clean & punch list | % | $6,000 | 100.0% |
| Total | 100.0% | $300,000 | ||
This is a general planning template, not an official lender draw schedule — it's meant to help you think through how your budget breaks down by phase before you apply. New construction loans through BldFi typically fund in five broader milestone draws; see that schedule. Your actual draw structure is finalized with your lender based on your specific project.
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