Build your Florida home from the ground up. Construction-to-permanent loans combine building and mortgage financing in one closing.
5-20%
Down
12 mo build
Term
C2P
Type
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
Key Features
- Construction-to-permanent (one closing)
- Stand-alone construction (two closings)
- 5-20% down payment (varies by program)
- Interest-only during construction phase (12-18 months)
- Converts to permanent mortgage at completion
- FHA, VA, and conventional construction programs available
- Licensed/insured builder required
Who Is This For?
- Buyers building a custom home in Florida
- Buyers who want new construction in areas with limited inventory
- Land owners ready to build
Florida-Specific Considerations
- Florida building codes require hurricane-resistant construction (Miami-Dade protocol)
- Impact windows and reinforced roofing standard in new FL construction
- Builder must be Florida-licensed (verify at myfloridalicense.com)
- Florida lot prices vary dramatically by county and proximity to coast
- New construction qualifies for full homestead exemption in year following completion
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