That depends on what type of loan you are getting and whether or not you are buying an Inventory home.  All construction loans require 10% or more down, from the beginning.  If you already own your land, that value can go toward your 10%+ down.  If you don’t own the land, you will need more up-front money. If you’re buying an inventory home Oak Ridge Homes has under construction or completed, you’ll need much, much less.