I have a dollar amount for my home.  It's higher than the $200k that I was sort-of expecting, but it includes everything except the washer/dryer, and contingency buffers for going over-budget.  Important decisions like how to cover the interior walls still are needed, but the big holes are figured out.  I talked to the contractor, and we'll be able to figure out how to bring cost down from the current number as we work to flesh out the plan.  But at least I can work on getting approved for this loan amount, and then start pulling permits while we flesh out the details.

Neither my credit union nor OnPoint offer home construction loans, and Bank of America (the owner of my current mortgage) says I would need to apply in person.  My contractor referred me to a bunch of other lenders, so I'm starting to shop it around.  I think I'll be getting a loan for about $25k lower than our safe-estimate number and drive the cost down as much as we can.  If it still ends up costing more than the loan, I have enough in the bank to make up the difference, and I can finance appliances or pay permits on my own.