Every home buyer has a budget, even someone building a million dollar home. Use your budget as a guide to prioritize the details on your wish list. The cost of your home is determined when your selections are complete. Statistics show most home buyers spend 10 to 15 percent more than they originally intended. By setting priorities at the start, you can build the home you want and enjoy peace of mind on movein day; a mortgage payment you can live with is an important feature.