Save your money by buying new construction that is already on the market rather than custom building. Banks are still tight on their loans and if you buy a lot, you will need another loan for the construction loan. Many banks are requiring 40% cash down for the construction loan. You can keep money in the bank by buying a new construction house that is already on the market as you can get a loan for as little as 5% cash down.  Also, in many neighborhoods, especially West U and Afton Oaks, there is a large supply of new construction homes - builders ready to bargain and lots of choices for you, the buyer.