re: How to finance scenario for house build, shed, furnishings, misc.

Man I felt like this was my exact question 1 month ago and I’m still not clear on it either. I’ll be following this but I am building a shop first and plan on moving into this shop (we will finish out half of it).

Anyway my plan was to dump our equity from sale of Home into the land and shop, but was told once we get ready to build the main house that equity would not count towards 20% downpayment. So instead to hang onto the equity and throw it into the financing of the house when the time comes.