Price the build
before you
break ground.

Changes the monthly figure on the estimate. Hearth sets the real term.

0% terms cap at 24 months. Raise the rate above 0% to quote longer terms.

Drag to 0% to show a promotional offer. Whatever you set is printed next to the payment, so the figure is never quoted without its rate.

Covers unknowns behind walls and under slabs. We recommend 10% on remodels, 15% on anything pre-1980.

Northern California

Set by the job location you chose in step 1. Applied to each line's material share — shingle-heavy lines carry more, demo carries almost none. Permit fees, labor and professional services are never taxed.

Applied on top of the trade work as its own line — never on permit fees or inside the tax. The shipped catalog rates already carry a typical margin, so leave this at 0 unless you have re-based the rates to raw cost in the tuner and want your own number stated in the open.

Cities levy their surcharges — and the $1,000 smoke/CO retrofit trigger — on the valuation you declare on the application, not on this estimate's subtotal. Set it here if yours differs; blank uses the trade subtotal.