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Step 1: Figure out what fits on your site

Start by identifying natural features like significant trees, shrubs, and landforms that should be preserved whenever feasible. Use the Site Plan Checklist and Site Plan Approaches to guide your layout while considering important constraints such as setbacks, utility easements, and required green or private space. Make sure to account for necessary elements like building footprints, parking (on-street or off-street), and access routes, minimizing site disturbance wherever possible. Thoughtful planning can help balance functional needs with environmental sensitivity and regulatory requirements.

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Step 2: Pick your plan(s)

Choosing the right home starts with the right plan. Our catalog features 15 thoughtfully designed plans that balance architectural quality, local character, and functional living space.

Browse the Catalog of Dwellings to explore a range of floor plans and exterior styles, from compact cottages and ADUs to small multi-family homes. Whether you're building for your family, creating a rental unit, or adding to the community's housing mix, there's a plan to meet your needs and your neighborhood’s character.

Construction of buildings using these plans should closely follow the approved drawings, details, specifications, and program guide. Some homeowner variations can enhance architectural variety and address practical challenges.

Homeowners and builders should consult their local building office before modifying these plans. The program’s non-exclusive license does not protect against liability if changes cause code non-compliance. Generally, reasonable variations, especially minor, non-structural interior changes without code impacts, are recommended.

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Step 3: Apply for construction financing

Applying for construction financing in Cape Cod starts with a clear understanding of your approved housing plans, site survey requirements, and any additional engineering needs for septic or soil conditions. After selecting your house plan(s), approach a local lender or bank to learn about the types of construction loans they offer. Submit a formal loan application for construction financing with the required documentation (e.g. plans, a detailed construction budget, contractor information, proof of land ownership or purchase agreement, personal financial documents, etc.). The lender will review your application, order an appraisal based on the plans, and determine loan eligibility. Once approved, funds are typically disbursed in stages as construction progresses.

Step 4: Apply for a building permit

Obtain the selected Permit Set through this website. You’ll need to provide your project address and sign the License and Terms of Use Agreement. Once complete, you'll receive a permit set with a unique serial number, expected within three business days.

Apply for any required approvals for your unique project and site (e.g. planning board, board of health, zoning board of appeals, historic district approvals, and energy rating/certification). Confirm that your permit site plan is complete with all the information necessary for the permit application.

Apply for your building permit. In addition to the required application documents, be sure to include: 

  • A COD Plans Building Permit Set;
  • A compliant site plan per the COD Program Guidelines and Town requirements;
  • Proof of location in an eligible location; and
  • A signed License Agreement and Terms of Use document for use of the COD Building Permit Set.

Make sure to review the specific building permit process and application for your town:

Step 5: Obtain approval and begin construction

After submitting your application and paying fees, the town will review it and schedule any required inspections.

Cape Cod Catalog of Dwellings is a resource of the Cape Cod Commission

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