Building Financing
Finance ANY building or placeable - sheds, silos, animal pens, decorations, and infrastructure. First-of-its-kind feature in the FS25 modding community!
Added: v2.10.0 | Requirements: 750+ Credit Score | Down Payment: 20%
- Credit Required: 750+ (Excellent credit)
- Down Payment: 20% of purchase price (fixed)
- Term Length: 1-15 years (your choice)
- Interest Rate: 3.5-4.5% (credit-based, same as vehicles)
- Leasing: Not available (Cash or Finance only)
- Seizure Risk: Yes (3 consecutive missed payments)
How It Works- Open Construction menu (P key)
- Select and position building
- Confirm placement → Finance dialog appears
- Choose Cash or Finance
- If Finance: Select term length, review payment
- Confirm → Building placed, loan created
Requirements Check:
- Credit must be 750+ or dialog won't show finance option
- Must have 20% down payment in cash
- Monthly payment must be affordable
See FAQ#building--placeable-financing for detailed Q&A
Requirements
Credit Score: 750+Building financing requires Excellent credit (750-850 range).
Why? Buildings are permanent infrastructure investments. Lenders require proven financial responsibility before financing major property improvements.
How to reach 750+:
- 60+ on-time payments (5 years of perfect history)
- 24+ consecutive payment streak
- No missed payments in recent history
Down Payment: 20%All buildings require 20% down, regardless of credit score.
| Building Cost | 20% Down |
|---|---|
| $25,000 | $5,000 |
| $50,000 | $10,000 |
| $100,000 | $20,000 |
Term Length & RatesTerm: 1-15 years (same as vehicles)
Interest Rates: (same as vehicle financing)
| Credit Score | APR |
|---|---|
| 800-850 | 3.5% |
| 750-799 | 4.5% |
Since buildings require 750+, you'll get excellent rates (3.5-4.5%).
Monthly Payments- Covers principal + interest
- Reported to Credit Bureau (+5 credit for on-time)
- Builds equity in the building
Accelerate payoff with 2x, 3x, or 5x payments to save on interest.
Selling Financed BuildingsWhen you demolish a financed building:
- Demolition proceeds calculated (usually 80% of price)
- Loan payoff deducted automatically
- Remaining money goes to you
- Loan removed from Finance Manager
Example:
- Building worth $45,000
- Loan balance $35,000
- You receive: $10,000
| Feature | Vehicles | Buildings |
|---|---|---|
| Credit Required | 300+ | 750+ |
| Down Payment | 0-25% | 20% fixed |
| Leasing | Available | Not available |
| Term Length | 1-15 years | 1-15 years |
Tips & Strategy- Need building NOW but don't have full cash
- Cash better used elsewhere (equipment, seeds)
- Steady monthly cash flow
- Production building with ROI
Chicken coop: $50,000 cost, $40,000 financed
- Monthly payment: $750 (5-year term)
- Monthly egg income: $1,200
- Net: +$450/month profit!
- Keep total obligations < 30% of monthly income
- Stagger purchases (don't finance 5 buildings at once)
- Pay off smallest loans first
TroubleshootingCauses:
- Credit < 750 (most common)
- Can't afford 20% down
- Mod conflict
- Override setting disabled
Check: Finance Manager → Credit Report
Options:
- Skip payment (emergency only: -25 credit, balance grows)
- Minimum payment (interest-only, prevents seizure)
- Pay off early (save interest, +50 credit)
- Sell building (recover equity)
- Building demolished automatically
- You lose building (no refund)
- Credit drops -100 points
- Loan balance forgiven
FAQQ: Can I lease buildings? A: No, only Cash or Finance. Leasing doesn't apply to permanent infrastructure.
Q: Does interest rate change? A: No, rate is locked when loan is created.
Q: What if credit drops below 750 later? A: Existing loans unaffected. Only new loans require 750+.
Q: Can I finance multiple buildings? A: Yes, as long as you maintain 750+ credit and can afford payments.
- Credit Scoring - How to reach 750+ credit
- Vehicle Financing - Compare vehicle vs building financing
- Land Financing - Finance fields and farmland
- FAQ - Common questions
Last Updated: 2026-02-02 for UsedPlus v2.10.1