{"id":839006,"date":"2016-10-20T16:09:35","date_gmt":"2016-10-20T20:09:35","guid":{"rendered":"https:\/\/desjardinsmunicipal.com\/self-building\/lautoconstruction-les-couts-et-la-mise-de-fonds\/"},"modified":"2026-05-08T14:56:28","modified_gmt":"2026-05-08T18:56:28","slug":"costs-and-down-payment","status":"publish","type":"page","link":"https:\/\/desjardinsmunicipal.com\/en\/self-building\/costs-and-down-payment\/","title":{"rendered":"Self-build costs and down payment"},"content":{"rendered":"

[vc_row type=”full_width_section” bg_image=”15986″ bg_color=”#f9f9f9″ top_padding=”250″ bottom_padding=”140″ class=”page-header”][vc_column width=”1\/1″ el_class=”page-header-content”]

Self-building<\/h1>[vc_column_text el_class=”nav-dossier”]Steps<\/a> | Assessments<\/a> | Costs and down payment<\/a> | Financing<\/a> | Documents required<\/a> | Selling to self-build<\/a> | Building to rent<\/a>[\/vc_column_text][\/vc_column][\/vc_row][vc_row class=”bloc-light bloc-dossier”][vc_column width=”1\/1″]

Self-build costs and down payment<\/h3>
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Down payment<\/h2>
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Our caisse can finance up to 80% of your project costs, including the land purchase price\u2014meaning that your down payment amounts to 20% of the total project cost.<\/p>\n

That 20% can come from a variety of sources: personal savings, a fully paid lot or partial equity in one, capital gains from a recently sold property, equity drawn from an existing property, or even a skills contribution (up to 10% of the cost)\u2014that is, labour you can provide yourself without incurring any costs.<\/p>\n

Bottom line: your down payment does not have to be all cash!<\/p>\n

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Construction costs<\/h2>
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When building a home, it is essential to plan for all costs as thoroughly as possible, for each stage of your project, in the order in which the work will be carried out.<\/p>\n

You must carefully calculate both direct costs (building materials and labour) and indirect costs (permits, appraisal fees, certificates of location, notary or lawyer fees) to accurately determine your financing needs. To help you get started, we will provide a budget template you can use to estimate your construction costs.<\/p>\n

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<\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

[vc_row type=”full_width_section” bg_image=”15986″ bg_color=”#f9f9f9″ top_padding=”250″ bottom_padding=”140″ class=”page-header”][vc_column width=”1\/1″ el_class=”page-header-content”][vc_column_text el_class=”nav-dossier”]Steps | Assessments | Costs and down payment | Financing | Documents required | Selling to self-build | Building to rent[\/vc_column_text][\/vc_column][\/vc_row][vc_row class=”bloc-light bloc-dossier”][vc_column width=”1\/1″][vc_column_text] Our caisse can finance up to 80% of your project costs, including the land purchase price\u2014meaning that your down payment amounts to 20% of the total project cost. That 20% can come from a variety of sources: personal savings, a fully paid lot or partial equity in one, capital gains from a recently sold property, equity drawn from an existing property, or even a skills contribution (up to 10% of the cost)\u2014that is, labour you can provide yourself without incurring any costs. Bottom line: your down payment does not have to be all cash! [\/vc_column_text][\/vc_column][\/vc_row][vc_row top_padding=”0″ class=”bloc-light bloc-dossier”][vc_column width=”1\/1″][vc_column_text] When building a home, it is essential to plan for all costs as thoroughly as possible, for each stage of your project, in the order in which the work will be carried out. You must carefully calculate both direct costs (building materials and labour) and indirect costs (permits, appraisal fees, certificates of location, notary or lawyer fees) to accurately determine your financing needs. To help you get started, we […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":838983,"menu_order":30,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-839006","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nSelf-build costs and down payment | Caisse Desjardins du R\u00e9seau municipal<\/title>\n<meta name=\"description\" content=\"Dans ce volet de notre dossier, vous d\u00e9couvrirez tout ce que vous devez savoir sur les co\u00fbts et la mise de fonds n\u00e9cessaires \u00e0 la r\u00e9alisation de votre projet.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/desjardinsmunicipal.com\/en\/self-building\/costs-and-down-payment\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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