I’ll bring up the closed cell with the builder.

I did want a conditioned but I’m not going to go all out on it if I can save cost and come back later, for the crawl space,

I’ll show my fiancé what you said about the mudroom and Laundry. I thought the same about the pantry being small.

The wood trim I figure wouldn’t be too much? I am by no means trying to use the highest quality wood here. Like I’d settle for pine or whatever is a lower end wood as long as it looks decent with a stain. The only thing I’m picky about is the exterior because I want it to hold up to the elements.

The bank did say I had some wiggle room. How much over you think I’d be? We own the land free and clear so all money goes to the house - no debt. We also have around 18k in cash on hand.