The spreadsheet every owner-builder needs to stay on budget and secure financing.
No guesswork. No scattered numbers. Just a clean, color-coded tool that does the math for you and gives your lender exactly what they need to move forward.
Construction Budget Sheet
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Editable, formula-filled spreadsheet designed for real-world custom builds
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Sections organized by trade, phase, and material
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Auto-tallying totals based on entered bids — just plug in your numbers
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Color-coded tracking (Requested, Received, Awarded, Paid)
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Built with construction loans in mind — perfect for banks and credit unions
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First-time home builders applying for a construction loan
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DIY homeowners hiring subcontractors but managing costs themselves
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Owner-builders who need a clean, easy-to-read budget to stay on track
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Anyone who needs a pro-level financial tool without hiring a GC
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This is the same budget sheet we use to manage our clients' budgets. Budgeting your build doesn't have to be overwhelming. With this spreadsheet, you'll keep every number in one place while confidently answering your lender's questions and tracking every dollar from bid to final payment.
Q: Is this budget sheet editable?
A: Yes! It’s a fully editable Excel spreadsheet. You can plug in your actual bid amounts, adjust categories to fit your build, and the totals will auto-update as you go.
Q: Can I use this to apply for a construction loan?
A: Absolutely. This sheet is formatted in a professional way that banks and credit unions recognize and prefer when reviewing construction budgets. It helps show that you’ve planned your finances responsibly.
Q: What if I don’t know how to use Excel?
A: No worries. The sheet is beginner-friendly — just type in your bid amounts or estimates, and the formulas do the rest. If you can use a calculator, you can use this spreadsheet.
Q: Is it just for Washington State?
A: It was designed with Washington State owner-builders in mind, but the categories and formulas are universal. You can use it for custom home builds in any U.S. location.
Q: Can I use this if I’m not doing the whole build myself?
A: Yes! It’s perfect whether you’re building from scratch or just managing the financials while hiring subcontractors. Even if you're using a GC, this helps you stay informed and in control.
Q: Will I receive a physical product?
A: No, this is a digital download. You’ll receive an Excel file you can open and use immediately on your computer.
Q: Can I use this for multiple builds or projects?
A: Yes! Once downloaded, it’s yours to reuse as many times as you like for your personal builds.
Q: Is my purchase refundable?
A: No. Because this is a digital asset, your purchase is non-refundable. However, if for some reason you have trouble with the Excel document itself, need an explanation on how to use it, or how to download it, please give us a call at (360) 940-3151 or email us at leesh@cmgwa.com and we will help you.
