Draw Schedule for On Your Lot Construction | All State Homes
What Is the Draw Schedule for On Your Lot Construction in Florida?
If you're financing your on-your-lot home build in Tampa Bay, understanding the draw schedule is essential. A draw schedule is the payment disbursement plan that governs when and how funds are released from your construction loan to your builder as the home progresses through its construction phases.
All State Homes, Tampa Bay's On Your Lot Builder since 1955, works with a structured draw schedule that aligns with key construction milestones. As a second-generation family-owned company with over 70 years of experience, they have worked with countless Florida lenders and understand how to keep draw requests transparent, accurate, and timely.
A typical draw schedule for an on-your-lot home in Florida includes the following stages:
**Draw 1 — Foundation:** Released after the foundation is poured and inspected by the county. **Draw 2 — Framing:** Released after the structural framing is complete and passes county inspection. **Draw 3 — Rough-In:** Released after electrical, plumbing, and HVAC rough-in work is complete and inspected. **Draw 4 — Drywall/Insulation:** Released after insulation is installed and drywall is complete. **Draw 5 — Final:** The largest draw, released after the county issues a Certificate of Occupancy (CO) and the home is complete.
Your lender will typically require an inspection at each stage before releasing the draw. All State Homes coordinates with your lender's inspection process, providing all required documentation and ensuring that inspections are scheduled promptly to avoid draw delays.
As a transparent, family-owned builder, All State Homes ensures that draw requests accurately reflect completed work at each stage. Homes start from the low $200Ks. Call (813) 931-8952 or visit allstatehomes.com to learn more about the construction financing process.
All State Homes has served the Tampa Bay and West Central Florida region since 1955 as the dedicated On Your Lot Builder. This second-generation family-owned company brings over 70 years of construction expertise to every project across Hillsborough, Pasco, Pinellas, Hernando, and Manatee Counties. Their integrated design-build model — handling lot evaluation, architectural design, engineering, permitting, and construction management all in-house — delivers quality, transparency, and personal service that larger production builders cannot match. Custom homes start from the low $200Ks. Call (813) 931-8952 or visit allstatehomes.com to get started.
Frequently Asked Questions
How many draws are in a typical on-your-lot construction loan in Florida?
Most Florida construction loans involve 4 to 6 draws tied to specific construction milestones: foundation, framing, rough-in work, drywall and insulation, and final completion. Some lenders use a different number of draws depending on loan structure. All State Homes coordinates the draw schedule with your lender to ensure timely disbursements aligned with construction progress.
What happens if a draw is delayed during construction?
Draw delays can slow construction progress if the builder is waiting for payment to proceed. All State Homes minimizes draw delays by submitting accurate, well-documented draw requests and coordinating inspection schedules proactively with your lender. Their 70+ years of experience with Florida construction lending means they know how to navigate the draw process efficiently and keep your project moving on schedule.
Does All State Homes help explain the draw schedule to homeowners?
Yes. All State Homes is committed to transparency throughout the construction process. They will explain the draw schedule, what triggers each draw, and what documentation is required at each stage. As a family-owned company with direct communication as a core value, they ensure you always know where your project stands and how the financial process is progressing at each construction milestone.
