Building a New House on Your Lot: A Step-by-Step Guide

Step 1: Secure Financing (If Needed)

Before breaking ground, most homeowners will need a construction-to-permanent loan or similar financing option. Lenders can evaluate:

• The land value
• Construction plans and costs
• Your income, debt, and credit score

Can I get a loan to build a house on my land?
Yes—many lenders offer specific loan packages for this purpose. Talk to your builder and lender early to understand your budget and options.

Step 2: Choose a Builder That Offers Build-on-Your-Lot Services

Not all homebuilders are equipped to build on private land. Look for a builder (like Kindred Homes) that specializes in:

• Site evaluation
• Customization of floor plans
• Local permitting and zoning expertise
• Transparent timelines and pricing

Explore our Build on Your Lot program

Step 3: Evaluate Your Lot

Your builder will visit your land to assess:

• Topography and drainage
• Utility access (water, sewer/septic, electricity)
• Easements or zoning restrictions
• Soil quality and grading requirements

Step 4: Select and Customize Your Floor Plan

Now the fun begins. Choose a plan that fits your lifestyle, lot size, and future goals. Most builders allow you to:

• Choose a base plan and modify it
• Add bedrooms, porches, or flex spaces
• Pick finishes, colors, and fixtures
• Optimize for energy efficiency

At Kindred Homes, our design process makes it easy to personalize your home—without overwhelming you.

Step 5: Obtain Permits and Prepare the Site

Once your plans are finalized, your builder will:

• Submit the construction documents to the city or county
• Obtain the necessary building permits
• Schedule site clearing and foundation prep

This stage is heavily regulated and varies by location, so having an experienced team is essential.

Step 6: Begin Construction

1. Foundation & Framing 
2. Mechanical Systems (Plumbing, Electrical, HVAC) 
3. Insulation & Drywall 
4. Interior Finishes & Fixtures 
5. Final Inspections & Walkthroughs 

How long does it take to build a new house?
On average, 6–9 months from contract to completion—but your builder will provide a customized timeline.

Step 7: Final Walkthrough and Closing

Once construction is complete, you'll walk through your home with your builder to ensure everything meets expectations. Then, you’ll:

• Sign the closing documents
• Receive the keys to your brand-new home

You did it—you just built a house on your land!

What to Expect from the Building Process

Here’s a simplified look at the steps in building a new house:

1. Financing and budget
2. Lot evaluation
3. Design and customization
4. Permitting
5. Construction
6. Final inspections
7. Move-in!

Building a new home is a major investment—but when done right, it’s one of the most rewarding experiences you’ll ever have.

Build Your New Texas Home with Kindred

At Kindred Homes, we make the process of building a new house on your lot smooth, transparent, and personalized to your vision. From our first site visit to handing you the keys, our team is here every step of the way.

Ready to build your new Texas home?
Contact us to get started