The Heritage Plan

The Heritage

A timeless design with room to breathe. Built by vetted local builders, independently contracted through our platform.

3

Bedrooms

2

Bathrooms

1,479

Square Feet

~$42,500

Cash to Start

See the details

Warm, minimal finishes designed to feel good and stay that way. Every choice is made to reduce maintenance and maximize livability.

The Heritage Plan Front Exterior
The Heritage Plan Living Room
The Heritage Plan Kitchen
The Heritage Plan Primary Bedroom
The Heritage Plan Bathroom
The Heritage Plan Rear Exterior

Floor Plan

3 bedrooms, 2 bathrooms, and an open living area designed for how people actually live.

The Heritage Floor Plan

3

Bedrooms

2

Bathrooms

1,479

Sq Ft

1

Story

Designed for real life

Every decision in The Heritage is intentional. Less complexity, more value.

Durable, low-maintenance finishes

Materials chosen to look good for years without constant upkeep. Spend your weekends living, not maintaining.

Space that works harder

1,479 square feet designed to feel open and functional. No wasted hallways or awkward corners.

Warm, minimal aesthetic

Clean lines and natural materials that feel calm and collected. A backdrop for your life, not a showroom.

Local independent contractors

Your builder works with local, independently contracted trades and suppliers. Better communication, faster response times.

Transparent scope

We're upfront about what's included. When things change, we communicate quickly and guide you through.

A guided process

We walk you through each decision. You stay informed without getting overwhelmed.

Understand your numbers clearly

No guessing games. The Heritage is offered as a complete package: lot, construction, and finishes. We walk you through the estimates so you understand the full picture.

Phase 1: Pre-Construction

Lot (cash purchase)$25,000
Feasibility deposit$2,500
Soft costs$5,000
Phase 1 Subtotal$32,500

Phase 2: At Loan Closing

Down payment + closing costs$28,297
Lot equity credit-$25,000
Gap$3,297
I/O reserve~$6,700
Phase 2 Subtotal~$10,000
Total cash to start~$42,500

*All figures are estimates. Costs vary based on lot, site conditions, and finishes. Equity projections are not guaranteed.

Estimated monthly payment*

Principal & Interest$1,902
Property Tax$279
Insurance$150
Bella Vista POA$45
PMI (~0.5%)$119 (removable when LTV hits 80%)
Total with PMI~$2,495/mo
After PMI removed~$2,376/mo

*Based on 7% interest rate, ~1% property tax rate, $150/mo insurance, $45/mo Bella Vista POA. Actual payment depends on your lender, rate, and lot.

What's included

  • Expert support for lot feasibility
  • Lot selection and coordination
  • Access to qualified realtors, lenders, and builders
  • Access to qualified inspectors
  • Cash lot purchase with construction-to-permanent financing through our lender partners
  • Permitting coordination and HOA navigation
  • Complete construction and finishes
  • Weekly progress updates
  • Dedicated point of contact throughout the process
  • 1-year warranty from your independent builder
  • Free access to Themelios Foundation OS (Coming Soon)

Start ahead, not just even

A conventional buyer purchasing a $335,000 home puts 10% down and finances the rest. A Foundation Home buyer purchases the lot with cash, then uses it as collateral for a construction-to-permanent loan. Here is how the two compare.

Conventional purchase

Cash needed~$47,500
Loan amount$301,500
Monthly (with PMI)~$2,606
Starting equity$33,500 (10%)

Foundation Home

Cash needed~$42,500
Loan amount$285,939
Monthly (with PMI)~$2,495
Starting equity$49,061 (14.6%)

A conventional buyer would need

4.5

years

$108,000

in mortgage payments

to reach the equity position a Foundation Home buyer has on move-in day.

Cash savings

$5,000 less

Monthly savings

$111/mo less

Equity advantage

+$15,561

Why does it take so long? A 30-year mortgage is front-loaded with interest. In the early years, most of each payment goes to the bank, not to building equity. The conventional buyer's equity grows slowly through principal paydown alone. The Foundation Home buyer started with $15,561 more equity on day one, without making a single mortgage payment to earn it.

How we build below market

Standardized plans

Proven designs that reduce guesswork

Trusted partners

Builders aligned with attainable housing

Streamlined process

Builds stay on track and on budget

Growing market

NWA has room to appreciate

What building below market means for you

A financial cushion if life changes

More options when ready to sell or refinance

A stronger foundation for building wealth

Lower monthly payments compared to a conventional purchase of an equivalent home

Built for life in Bella Vista

The Heritage is designed for Northwest Arkansas living. With trails, lakes, and community nearby, your home becomes a basecamp for the life you want.

6-8*

months typical build time

1 yr

builder warranty

~$43K*

estimated cash to start

*All figures are estimates. Construction timeline upon approved permits. Actual costs vary based on lot, site conditions, interest rates, and lender requirements.

Ready to learn more?

Let's talk about your timeline, your lot options, and whether The Heritage is the right fit for you.

Email Us

info@themelios.io | Bella Vista, Arkansas