Factory base, model, and advertised home-only price
A factory base or model price can describe the home before retailer options, freight, delivery, site work, setup, utilities, permits, and finish work. An advertised home-only price should be treated as one written scope category, not a completed-project promise.
Delivered, set, installed, and turnkey wording
These terms are not safe substitutes for an inclusion list. Ask the retailer which freight, permitted transport, placement, support, anchoring, marriage-line work, trade crossovers, trim, utility connections, inspections, steps, skirting, and corrections are included or assigned to others.
Home price vs total project cost
The advertised home price may not include the full cost to place and occupy the home. Total project cost can include land, delivery, setup, site prep, utility work, permits, inspections, decks, steps, skirting, and financing-related items.
Land cost
Land cost is separate unless the project is structured as a land-and-home purchase. A cheaper parcel can become expensive if it needs septic, well, driveway, grading, clearing, power extension, or access work.
Site prep
Site prep can include clearing, grading, drainage, pad or foundation area, driveway work, culvert work, delivery access, tree removal, and contractor coordination before the home arrives.
Septic, well, and public water
Septic, well, public water, and sewer connection costs vary by property. Perc or soil evaluation, existing system records, utility distance, well location, and repair area can all affect the budget.
Driveway, access, and power
Driveway length, road frontage, culverts, private road conditions, delivery route, power distance, temporary power, permanent service, trenching, and electrician scope can create large differences between projects.
Foundation, setup, and delivery
Setup cost may include transport, delivery, blocking, piers, tie-downs, anchors, utility connections, trim-out, double-wide marriage line work, and inspection readiness.
Decks, steps, landings, skirting, and HVAC
Exterior steps, decks, landings, handrails, skirting or underpinning, HVAC coordination, and finish items may be required before final approval or occupancy, depending on the project.
Permits, inspections, and financing
Permit fees, inspection requirements, lender conditions, title structure, land status, and whether site work can be financed can all change how the project budget is organized.
Why quotes may not include everything
A quote may cover the home and some setup work but leave out land work, utilities, permits, septic, well, driveway, decks, skirting, or inspection corrections. Ask what is included, what is excluded, and what needs a property-specific quote.
Who owns the cost answers
The retailer documents the home and dealer package. Setup contractors, masons, engineers, licensed trades, utilities, and site providers price only their retained scopes. The homeowner gathers those written scopes into one budget and asks the lender, insurer, tax authority, or permit office for the decisions each controls.
Use a pre-order budget gate
Before a deposit or order, mark each major category as written fixed scope, allowance, separate quote, owner responsibility, pending official confirmation, or unknown. Record which property fact could change the home choice or total and the latest date that answer is needed. This does not predict the final cost; it shows whether the current total is supported by the evidence available.
Record the boundary around each price
For every advertised, dealer, delivery, setup, provider, lender, or project number, write down the dated source, exact home and site, included categories and quantities, allowances, exclusions, responsible parties, expiration, milestone assumptions, corrections, closeout evidence, and remaining unknowns. Compare only numbers that describe the same project boundary.
Treat a land-home package quote as a defined scope, not a label
Ask whether the written number includes the land transaction, home and options, freight and delivery, access and site work, water and wastewater, power and trades, foundation and setup, permits and inspections, exteriors, corrections, closeout, financing-related items, taxes, allowances, and unresolved conditions. Review My Quote can organize the documents and questions but cannot determine the final project cost, price fairness, financing result, or savings.