Cost Calculator
Estimate your total cost for financing or cash, before you ever visit the lot.
- 1Pick your model below
- 2Choose financing or cash at the top
- 3Adjust upgrades and enter your city
Your Numbers
Most buyers land in the Basic-to-Popular range. Slide left or right to see what fits your budget.
* Most park model loans carry higher rates than traditional mortgages because the home is titled as an RV. Working with a lender who specializes in these loans makes a real difference.
Your loan bundles more than just the home price. Most buyers finance the full delivered and installed cost.
- Home base price and upgrades
- Leveling and setting (~$2,800 - required by lender if financing)
- Delivery and transport
- Stairs and entry ($800-$1,200)
Not included: utility connections (water, electric, sewage, gas), permits, site prep, and foundation work. See the full cost guide for everything else to budget for.
Park model loans carry higher rates than traditional mortgages because the home is classified as an RV, not real property. A specialist lender makes a real difference.
- Typical rate range: 8% to 10%
- Terms from 15 to 25 years
- Down payment: 10% to 20%
- No prepayment penalty (typical)
- Specialist lenders approve more easily
We partner with 21st Mortgage Corporation, one of the nation's largest lenders for park model homes. Our in-house specialist walks you through every step.
- Build your estimate with our team first
- Apply through our dealer portal
- Approval typically within 1-2 business days
- Loan covers delivery - nothing starts until you sign
The full cost breakdown, all in one place.
This calculator covers the home and delivery. Our 2026 pricing guide walks you through the rest, including utilities, site prep, and ongoing costs. Everything you need to build a complete budget for your tiny home.
Ready to build your full estimate?
Pick your model, customize every detail, and get a real quote from our team. No forms, no pressure, no commitment.
This calculator is a planning tool only. It is not a financing offer, a loan pre-approval, a price quote, or a commitment of any kind from NW Tiny Homes or any lender.
All numbers shown are rough estimates intended to help you think through your budget. They will change based on your actual configuration, delivery location, credit profile, lender terms, and market conditions at the time of purchase.
Transport is especially variable. Outside of OR and WA, actual costs can differ significantly from what this tool shows. Do not make financial decisions based on the transport number alone - get a confirmed quote from our team.
Financing is not offered by NW Tiny Homes. We work with 21st Mortgage Corporation and other independent lenders. Loan approval, interest rate, down payment requirements, and final terms are determined entirely by the lender. The 1% cash discount applies only to orders paid in full at delivery and is subject to change. Nothing is ordered until you receive a written estimate from our team and choose to move forward. Build your full estimate here.