The short answer
Most owners do one of three things. They finance the build through Hearth and make a fixed monthly payment, they finance through their own bank or credit union, or they pay our standard milestone draw schedule, starting with 20% down. Some do a bit of both.
Option 1: Financing through Hearth
- No hard credit pull. Prequalify and see personalized monthly payment options in under two minutes. Checking will not affect your credit score.
- Competitive fixed rates. Hearth works with a network of top lenders, so you are comparing real offers instead of taking the first one.
- Fixed monthly payments. Know exactly what you owe each month, with zero prepayment penalties if you pay it off early.
- Sized for building projects. Financing built for a real construction project, not a maxed out credit card or a second mortgage.
Financing is provided by Hearth and its lending partners. Rates, terms and approval are set by the lender, not by Woodys.
Option 2: Your own bank or credit union
Plenty of owners finance through their own bank or credit union. We will give them whatever paperwork they need on the build.
Option 3: Pay as it goes up
Rather than one lump sum, the balance is split into draws tied to real progress: 20% at contract signing to lock in your build slot and put materials on order, then a draw at material delivery, at concrete, at framing, and a final draw when the barn is finished, inspected and yours. You are never paying ahead of the work.
Get the quote first
Financing works best when you are financing an accurate number. Every barn is custom designed and built on your property, so get the quote first, then decide how to pay for it. Ours is free and written to your exact plans. See how much a horse barn costs in Florida for what sets the number.
Get your free quote, then see all the details on our financing page.