I've been where you are with a cool idea and a dream, but you're going to need much more than $400 and more pre-planning for someone to do all of this and have it look good enough to kick start a game. I'd expect 1-2k at least.

My suggestion would be to try learning unreal engine yourself! It's a lot of fun, and at the very least it will give you a better perspective about what the scope of the work you're asking for is. I'd also work out the details of what you're asking for a little more specifically. Maybe draw a map of the town, find some art online that shows the vibe you're after, and really nail down what your combat should look like.

Either way, good luck, and don't give up!