08/20/2026
π **AFFORDABLE HOUSING 101 β DAY 9**
**BEFORE WE POUR CONCRETE, THOUSANDS MAY ALREADY BE SPENT**
Here's something most homeowners never see.
You drive past a vacant lot and nothing appears to be happening.
No excavator.
No concrete truck.
No block.
No construction crew.
But behind the scenes, **thousands of dollars may already have been spent before construction ever begins.**
π **Architectural Plans** β turning the concept into a buildable design
ποΈ **Engineering** β structural, civil and other required professional services
π **Surveying** β establishing boundaries, elevations and site information
π **Permitting** β plan review, permits and required governmental approvals
π° **Impact Fees** β applicable costs associated with the impact of new development
π§ **Utility Fees** β water, sewer and electrical connections or related requirements
π¬ **Testing & Reports** β soil testing, environmental reviews or other site-specific requirements
π¦ **Financing** β the cost of acquiring land and carrying the project through development and construction
These expenses are often referred to as **βsoft costs.β**
But anyone who has written the checks knows...
**There's nothing soft about them.**
And here's why this matters for affordable housing:
We can work hard to save $5,000 on construction materials, but if another $20,000 or $30,000 is added before the first footing is poured, affordability becomes much harder to achieve.
That's why the affordable-housing conversation can't focus only on **what it costs to build the house.**
We have to look at **what it costs to create the entire projectβfrom vacant land to someone's front door.**
Good affordable housing starts long before construction.
It starts with **good planning, good due diligence and good preconstruction.**
π¬ **Did you realize this much could be invested in a new home before construction even starts?**