Budget 5%–10% of your land plus construction costs for post-construction items such as decor, furniture, and landscaping— these items are optional, but if you are planning to buy new furniture, landscape your yard or buy window coverings, it's good to have the money set aside ahead of time.
The first step to building a custom home is choosing a lot. This is a critical step that will affect the rest of the build, from how large your home can be to how it is situated on the site. Be sure to take your time, and do plenty of research before you purchase a lot for your new home.