Quick & easy financing.
Finance up to $250,000 with $0 down through $100,000, no appraisal and same-day decisions. No new mortgage required.
Up to $250,000 on qualifying projects
$0 down through $100,000, no appraisal
Same day or next day on a complete application
Built for the way kit homes get built.
Financing designed around a kit on your own land, not around a traditional mortgage.
Vacant Land Eligible
Finance a build on raw land, with no existing structure required.
Keep Your Home Equity
Finance your build without a new mortgage or a home equity loan.
No Appraisal Needed
Skip the appraisal process and move to closing faster.
Pay Off Early
No prepayment penalty if you want to pay the loan down faster.
The numbers, up front.
Credit-based financing for your kit, with a streamlined, appraisal-free process.
No new mortgage
Secured by a UCC-1 filing on the structure itself, not a lien on your home.
Same-day decisions
Most complete applications get a decision the same day or the next.
First payment later
Your first payment is not due until 45 days after closing.
Loans can be originated in Idaho, Washington, Montana, Wyoming, Nevada, Arizona, Utah, Colorado and Texas. If you are outside these states, other financing options may be available.
What it looks like each month.
Estimates for a borrower with a 750+ credit score.
| Loan amount | 60 months7.74% APR | 84 months7.94% APR | 120 months8.94% APR | 144 months9.54% APR |
|---|---|---|---|---|
| $100,000 | $2,015/mo | $1,556/mo | $1,264/mo | $1,169/mo |
| $150,000 | $3,023/mo | $2,333/mo | $1,895/mo | $1,753/mo |
| $200,000 | $4,030/mo | $3,111/mo | $2,527/mo | $2,337/mo |
| $250,000 | $5,038/mo | $3,889/mo | $3,159/mo | $2,922/mo |
Estimated payments only. Actual rates, terms and payments depend on credit approval. A $125 origination fee applies.
Three steps to a decision.
Gather your information
Name, income and basic project details. It takes about five minutes.
Talk to a specialist
We walk through your options and answer questions before you apply.
Complete the application
Submit and get a decision, often the same day.
The financing sheet
Every number on this page, plus the application checklist, in one PDF.
Ready to get Pre-Qualified?
Send your email and the Kit Culture team will follow up about financing options for your project.