Septic and well costs are often separate from the home price, and they can change the project before the home is ordered or delivered.
Short answer: Build the septic and well budget only after recording the parcel-specific wastewater and water paths. Keep the authority record separate from the provider quote: septic may require a current permit or authorized-path packet and inspection sequence; a private well may require local permit, location, contractor-certification, record, and testing inputs; public water or sewer requires a property-specific utility response. Give competing providers the same dated packet, then compare inclusions, exclusions, allowances, site assumptions, trade handoffs, inspection coordination, change triggers, restoration, schedule, and completion evidence instead of comparing totals alone.