The Vista Plan

The Vista

Clean lines. Bright spaces. Built by vetted local builders, independently contracted through our platform.

3

Bedrooms

2

Bathrooms

1,515

Square Feet

~$43,000

Cash to Start

See the details

Bright interiors, large windows, and warm-minimal finishes designed to bring the outdoors in.

The Vista Plan Front Exterior
The Vista Plan Great Room
The Vista Plan Kitchen
The Vista Plan Primary Bedroom
The Vista Plan Hallway
The Vista Plan Rear Exterior

Floor Plans

3 bedrooms, 2 bathrooms, and an open living area with optional basement space.

Main Level

The Vista Floor Plan - Main Level

Basement Level

The Vista Floor Plan - Basement Level

3

Bedrooms

2

Bathrooms

1,515

Sq Ft

2

Levels

Designed for real life

The Vista blends modern and traditional elements with intention. Every choice serves a purpose.

Open great room and kitchen

A connected living space that flows naturally. Room to gather without feeling cramped.

Bright interiors, large windows

Natural light fills the space. Windows sized to frame the views and bring the outdoors in.

Warm, minimal finishes

Clean lines and natural materials that age well. A calm backdrop for your life.

Predictable scope

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

Local independent contractors

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

Built-in value adds flexibility

Starting with equity gives you options. A cushion if markets shift or plans change.

Understand your numbers clearly

The Vista is offered as a complete package: lot, construction, and finishes. We guide you through transparently and communicate quickly when issues arise.

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$28,624
Lot equity credit-$25,000
Gap$3,624
I/O reserve~$6,900
Phase 2 Subtotal~$10,500
Total cash to start~$43,000

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

Estimated monthly payment*

Principal & Interest$1,946
Property Tax$288
Insurance$150
Bella Vista POA$45
PMI (~0.5%)$122 (removable when LTV hits 80%)
Total with PMI~$2,551/mo
After PMI removed~$2,429/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 $345,000 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~$48,500
Loan amount$310,500
Monthly (with PMI)~$2,678
Starting equity$34,500 (10%)

Foundation Home

Cash needed~$43,000
Loan amount$292,473
Monthly (with PMI)~$2,551
Starting equity$52,527 (15.2%)

A conventional buyer would need

5.0

years

$122,000

in mortgage payments

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

Cash savings

$5,500 less

Monthly savings

$127/mo less

Equity advantage

+$18,027

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 $18,027 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 Vista brings the outdoors in with large windows and bright interiors. Perfect for a region known for its trails, lakes, and natural beauty.

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 Vista is the right fit for you.

Email Us

info@themelios.io | Bella Vista, Arkansas