Manufactured home + private land

The home price is not the move-in price.

Add the costs that commonly sit outside the advertised home price. Every number stays editable, and your entries remain on this device.

Home and land

Home base price $Factory options $Land purchase $Tax, title, document fees $

Delivery, setup, and site

Delivery and setup $Foundation and tie-down $Clearing, grading, drainage $Driveway and access $Steps, porches, decks, skirting $Permits, survey, engineering $

Utilities and completion

Electric service $Water or well $Septic or sewer $HVAC and utility connections $Insurance before move-in $Other required work $

Financing and protection

Closing and lender costs $Cash already paid $Planned total cash contribution $Site-work contingency %Interest rate %Loan term years

Use zero when an item truly does not apply. If it is merely unknown, use a conservative allowance—zero can make an unfinished budget look finished. Contingency applies to site, setup, utility, and completion work.

What this calculator is designed to catch

Retail quotes often group, exclude, or leave allowances for work that must still happen before move-in. This tool forces those costs into one view. It does not decide who owes them—your written quote and contracts do that.

Unknown is not free. Get written estimates for the largest unknowns first: delivery access, foundation, electric service, water, septic, drainage, and lender-required work.

Use the result correctly

Save or print the estimate, then compare every category against the retailer quote, contractor estimates, lender worksheet, and cash you can actually bring. Requirements and taxes vary by property, lender, and jurisdiction.

Reviewed for practical use by Gary · Designed by Gary & Quinnlan Rae