Building your dream home requires smart budgeting that covers much more than just materials and labor costs. According to our research, setting aside 10-15% of your total budget as contingency money is essential for handling surprise expenses that may arise during construction. Fees like registration and stamp duty add another 7-9%, which can impact your budget if not planned in advance. A solid budget plan ensures that you\'re prepared for hidden costs like boundary walls, utility connections, and septic tanks, which can account for 10-15% of the total cost. Breaking down your budget into categories such as construction, permits, and architectural services helps you track every essential expense. Setting a contingency fund and staying disciplined with your priorities ensures a smoother construction process. To finance your dream home, you can explore specialized loans such as construction-to-permanent loans, which streamline the process by converting into a regular mortgage after construction. For those seeking expert guidance on building and financing, Propengine Realtech Pvt. Ltd., a leading channel partner in Pune, is here to help you navigate every step of the way and make your dream home a reality. With their expertise, you can confidently plan your budget and choose the best financing options.