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Yes, you can finance new construction using a construction loan or a construction-to-permanent loan, or you can use a home equity line of credit or a cash-out refinance if you’re building a second home. Some mortgagors may have restrictions on DIY house builds, so be sure to check that you can get financing before starting your project.

In some cases, a detached garage can be considered extra living space, but you will need to gain permission and comply with your local building code. Depending on where you live, you may need permits for a variety of installations, including electrical work, plumbing, and structural work. Many homeowners make the mistake of converting a garage into a living space without acquiring permits, which can result in hefty fines and even the removal of your hard work. Furthermore, a detached garage doesn’t add to the livable square footage of your home when it’s time to sell.

The cost to convert a carport into a garage averages about $22,000, ranging from about $15,000 and $55,000. Additional cost factors to consider include size, time of year, and how much of the carport you can reuse. Other cost factors include the kinds and amounts of materials used, such as:

• Add insulation: $1 per square foot

• Add drywall: $1–$3 per square foot

• Add window: $450–$2,000 per window

• Add outlets: $75–$500

• Add garage door: $250–$11,200

• Enclose framing: $5–$13 per square foot

• Replace roofing: $1,000–$2,000

Building a garage costs around $29,500, but prices can range from $16,800 to $42,200, depending on factors like size, materials, and whether it’s attached or detached. Additional tasks like electrical work, plumbing, or custom features can increase the total. Keep in mind that labor makes up 50% to 70% of the total cost, so picking the right contractor is crucial. While the price can vary, investing in a skilled professional—with the right certifications, licenses, and experience—is money well spent to ensure a safe, high-quality build.