Project cost
Payment Timeline
How payments typically align with evaluation, permitting, factory production, delivery, setup, and final closeout.
Overview
What happens in this stage
A Wolf project is paid in six payments across three phases: permitting, home construction, and site work and delivery. Each phase has a deposit and a closeout payment, and the structure is the same whether you use a loan or cash. The home price and the project costs are kept separate, and the schedule below shows when each payment is due and what it pays for.
Why it matters
A modular home is paid for in different stages than a site build. The biggest production payment comes due while the home is still in the factory, and site work has its own deposit. Knowing the six payments up front lets you and your lender plan for each one.
Payment schedule
The six payments
Each of the three phases has a deposit and a closeout. The same structure applies whether the project is financed or paid in cash.
- 1 Phase 1 · Permitting
Payment 1 — Permitting Deposit
- When
- At agreement signing
- Amount
- Typically $2,500–$5,000, confirmed in your agreement
- What it covers
- Two things. It is the service fee that hires one of our in-house Permit Specialists to manage the permit process for you, and it reserves your spot in the production queue with an estimated production start date.
- 2 Phase 1 · Permitting
Payment 2 — Permitting Closeout
- When
- At pre-issuance, once the jurisdiction approves the permits — timing depends on how long your jurisdiction takes
- Amount
- The jurisdiction’s actual permit fees, estimated in your agreement
- What it covers
- The permits themselves. Costs vary with the project and the jurisdiction’s requirements. Payment 1 does not apply toward this payment.
- 3 Phase 2 · Home construction
Payment 3 — Production Deposit
- When
- At the pre-production meeting, about one month before your production date
- Amount
- 25% of the home, calculated from the house choices in your agreement
- What it covers
- Finalizes the home. The 2- to 3-hour meeting settles every detail, including paint colors, countertops, finishes, and options, and our planning team builds the production binder for your home.
- 4 Phase 2 · Home construction
Payment 4 — Production Closeout
- When
- When the factory build is complete, typically 2 to 3 weeks after production starts
- Amount
- The remaining 75% of the home
- What it covers
- The finished home, ~92% complete and ready to leave the factory. You get an email when production starts in Stage 1 and another when the build is done; Phase 2 is complete with this payment.
- 5 Phase 3 · Site work and delivery
Payment 5 — Delivery & Setup Deposit
- When
- At the Initial Site Visit (ISV) with the Field Team
- Amount
- 50% of the estimated site work in your agreement
- What it covers
- Site work, foundation, trenching, delivery, and the set. Depending on the Field Crew’s timing, site work can happen before or after the home is finished in the factory.
- 6 Phase 3 · Site work and delivery
Payment 6 — Delivery & Setup Closeout
- When
- After the home is delivered, set, connected, tested, inspected, and walked through with you
- Amount
- The remaining 50% of the field-service cost
- What it covers
- Everything through move-in. With this payment we hand you the keys, your home-care binder, and your 1-year warranty.
The starting home price does not include appliances, permitting, delivery, setup, site work, or utilities; those appear as their own lines in the proposal. Each is priced for your property and confirmed in writing.
Quick facts
Timing for the three phases
- Permitting
- 1 to 9 months
- Factory construction
- 2 to 3 weeks once your production slot begins
- Delivery & setup
- 12 to 16 weeks for site work, delivery, setup, and closeout
These are estimates, and the phases can overlap. Queue time, utilities, inspections, and occupancy approval all affect move-in. Your signed agreements set the payment triggers and scope.
Checklist
What Wolf is coordinating
Stage steps
- 1 Start with a free property evaluation and proposal discussion.
- 2 Pay permitting and jurisdiction-related costs as the project moves into formal review.
- 3 Fund factory production according to the production draw schedule.
- 4 Fund delivery, setup, utilities, closeout, and remaining project work as the home is installed.
Deliverables
- What each payment covers
- Home price versus total project cost
- When the production and setup draws come due
- Questions to ask your lender
Watch outs
The details that usually surprise people
The starting home price does not include appliances, delivery, setup, permitting, site work, or utilities. You can purchase our appliance package or provide your own.
Factory production can require payment before the home is physically on the property.
A lender should understand modular draw timing before the project depends on that financing.
Common questions
This stage, answered
Does the permitting deposit count toward the permit fees?
Is the schedule different if I am financing?
Which payment is the largest?
Can site work start before the home is built?
What do I get at the final payment?
More process pages
Other steps in the Wolf process
Want the process mapped to your address?
Send the property address and what you want the home to do. We’ll work out the model, the permit path, what the site needs, and your next step.
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