Construction Draw Schedule Builder

Assign rehab line items to draws, watch the amounts and cumulative percentages update, and export the schedule to CSV. Edit the sample below or start from presets.

Line items
CategoryBudgetDraw
$
$
$
$
$
$
$
$
$
$
Schedule · total $70,000
DrawItemsAmount% of budgetCumulative
Draw 1Demo, Framing$15,00021%21%
Draw 2Roofing, Electrical, Plumbing$21,00030%51%
Draw 3Kitchen, Bath$20,00029%80%
Draw 4Flooring, Paint, Landscaping$14,00020%100%

Estimates for planning only — actual draw releases are subject to inspection and lender approval.

Pace the money to the work

A good draw schedule ties every release to a completed, inspectable milestone: demo and framing early, systems and finishes later, contingency held to the end. The goal is that at any point the money released roughly matches the value in the ground — so neither the contractor nor the lender is carrying the other.

Why cumulative percent matters

Lenders think in cumulative terms: after draw two, what share of the budget is out, and does the finished work support it? Watch the cumulative column as you assign items — steep early draws are a red flag, and so is a contingency released before the risk has passed.

Frequently asked questions

What is a construction draw schedule?

It's the plan for releasing rehab funds in stages ('draws') as work is completed and inspected — rather than all at once. It protects the lender and paces cash to the contractor against real progress.

How many draws should a rehab have?

Typically 3–5 for a standard flip, more for a ground-up build. Front-load too little and the contractor is out of pocket; back-load too little and the lender is over-exposed. Balance each draw to completed, inspectable milestones.

Can I export this?

Yes — build your schedule and click Export CSV to open it in a spreadsheet, or sign in to save it to your account and export a branded version.

Embed this calculator

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