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Program 04

Ground-Up Construction in Abilene

Abilene ground up construction loans, timed to the exit.

We fund new builds up to 70% LTV and 85% of cost on 12 to 24 month terms, with draws that follow your build schedule. Abilene builders are working small multifamily, and a spec delivered after the construction crews leave sells into a different market. Business-purpose only, subject to underwriting.

Ground-Up Construction in Abilene, TX from USA Mortgage
70%
max LTV
85%
of cost
Most states
funding
$5M
max loan

Typical figures, subject to underwriting and market conditions. Not a commitment to lend.

How it works

We finance both the land and the vertical construction, with a draw schedule built around your timeline. Experienced builders can access higher leverage on cost.

Who it's for
Spec home builders
Developers and operators
Lot purchase or teardown
Build-to-rent strategies
Typical terms
Loan amountUp to $5M
LeverageUp to 70% LTV / 85% LTC
Term12 to 24 months
DrawsPer build schedule
RateFrom 10.00%*
UseSpec or build-to-rent
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*Typical terms, subject to underwriting and market conditions.

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Local FAQ

Ground-Up Construction in Abilene, answered.

Where are Abilene builders actually building?
In duplexes and small multifamily, against a shortage that predates the data center. The Census counted 1,160 housing units permitted in the Abilene metro in 2025, 6.3 per 1,000 residents, including 326 units in 163 duplex buildings. The Abilene Housing Authority CEO put the shortfall at roughly 5,600 rental and ownership units before data center construction began, a quote reported by KTXS. The duplex count is a signal of small-landlord building, not a lot-supply figure, and we did not find a published count of buildable lots.

Sources: www2.census.gov, ktxs.com

What do new-construction permits cost in Abilene?
Fees for new single-family construction went up for fiscal 2026. The city raised its minimum building permit fee from $60 to $75 and increased permit fees for new single-family construction and additions; the new-construction fee includes building, electrical, plumbing, roofing and mechanical. Electrical, plumbing, mechanical and roofing contractors must register with the city before work starts, with no registration fee. We could not read the per-square-foot new-home fee from the published schedule, and we saw no impact fee in it, though we could not confirm none exists. Ask the city for the full number before you budget.

Sources: abilenetx.gov

Is there a published permit review time in Abilene?
Not one we could verify, and a number that circulates online is the wrong city. A 3-7 business day residential permit review appears in search results on a site for Abilene, Kansas (abilenecityhall.com), whose form lists a Kansas phone area code. Abilene, Texas is abilenetx.gov. Build your draw schedule around a turnaround the city confirms for your scope, not around that figure.
When should an Abilene spec be delivered?
Before supply catches up, and before the construction workforce leaves. City staff expect data center construction to continue into early 2028 and treat fiscal 2026 as the likely peak of one-time construction sales tax. A 312-unit apartment project in south Abilene and a nearly 1,000-space RV park are arriving into the same window. A spec that lists after early 2028 sells into a market with less temporary demand, so a 12 to 24 month term should be planned against that date.

Sources: abilenetx.gov

What does a vacant lot or spec carry in tax and insurance?
The full investor stack, with no homestead relief. A City of Abilene parcel in Taylor County carries 2.2664 per $100 of value in Abilene ISD and 2.4583 in Wylie ISD, per the city's published 2025 rates. Texas property tax does not fall because a property sits vacant. On insurance, builder's risk and vacant-dwelling premiums are a carry line on any Texas spec; Taylor, Jones and Callahan counties sit inland, outside TWIA's coastal eligibility, and we found no local premium figure, so get a bound quote. Talk to your CPA and insurance agent.

Sources: abilenetx.gov

More Ground-Up Construction questions, answered on the program page

Resources

Guides for Ground-Up Construction

Fix and Flip · 6 min read
Fix and Flip Loan Requirements: What You Need to Get Funded
Read the guide
Fix and Flip · 5 min read
What Is ARV (After-Repair Value) and How Do You Calculate It?
Read the guide
Construction · 5 min read
How Ground-Up Construction Loans Work
Read the guide
Getting Funded · 4 min read
LTV vs LTC: What's the Difference?
Read the guide
Browse all guides
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Second MortgageKeep your first mortgageFix and FlipUp to 90% / 100% rehabRental / DSCR30-yr fixed, DSCR from 0.75CRE BridgeUp to $10M, 24-36 moTransactional FundingSame-day double-close capitalBank Statement / No-DocNo tax returns requiredConventional InvestmentNon-owner-occupied investmentPortfolio LoansMultiple properties, one loanCRE PermanentLong-term agency & permSBA Financing7(a) & 504 placement

Ground-Up Construction elsewhere in Texas

All Abilene loan programs
About the local figures on this page

Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.

Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-10-16.

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