re: Custom Build Finance Questions

The equity in your current home will not factor into the construction loan aspect.

They will only loan you enough to cover 80% of the estimated build costs. That includes the appraisal and payoff of the land, so the land equity will be rolled into it.

I’m not exactly sure what you’re asking because it depends on timing of selling your existing home. If you sell at some point during your build, that equity can be used to pay down the new home build (and hence not coming out of the construction loan).