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Last update on January 04, 2026

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Home Building questions, answered by experts

Yes, there are a few different ways you can finance new construction. Some lenders offer new construction loans that cover the building costs and then convert to a standard mortgage once construction is complete. Some custom homebuilders also offer financing options that only require a down payment before you begin the building process. Construction loans are possible, as well, although they typically only cover the building process, and you’ll need to pay in full once the house is completed.

As long as you pull the appropriate permits to build your ADU, it will contribute to your property’s total livable square footage. This is even true for basement conversion ADUs despite the living area sitting below grade. Keep in mind that permanent improvements, especially those that add square footage, tend to increase your home value, which can affect your property taxes.

A carriage house combines garage or storage space with living space, usually in two stories, while a garage generally does not offer any living space. Carriage houses are built with plumbing, insulation, and heating and cooling systems, which are usually features not found in traditional garages. Building codes and insurance requirements greatly differ between the two types of structures, and may make it difficult to convert a garage to a carriage house.

The steep slope of an A-frame roof withstands high winds, heavy rain, and heavy snowfall, making them popular all over the world. A-frames also offer simple, quick construction. Finally, an A-frame typically has large windows on the non-roof sides to let in a maximum amount of natural light. Consequently, they are often an affordable building solution for the right homeowner and location.

Whether it’s more affordable to gut a house than build a new one depends on the markets where you'd be buying and selling. However, it’s usually less expensive to renovate a home than to build new construction. 

Most homeowners pay between $100,000 and $200,000 for demolition and remodeling costs, whereas the average cost to build a new home is between $139,000 and $531,300.

The Harrison-township, mi homeowners’ guide to home building services

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