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Permit requirements to clear land vary by municipality, so whether or not you need permits depends on where you live and what you’re removing from the land. Some building departments will require permits for any underground work or excavation, meaning grinding down tree stumps on your property would require permits. Others mandate individual permits for each tree you remove. You can contact your local building department or a land-clearing specialist near you to see if permits are necessary for your job.

Building a road on a slope requires careful planning and will normally require a drainage system underneath to prevent flooding and damage to the road over time. Your professional may lengthen your road to create switchbacks if the slope directly to your home is too steep, as there are regulations for maximum road slope. The drainage system will help prevent runoff from the higher side of the slope from damaging the asphalt or concrete. Keep in mind that building a road on a slope isn’t a good DIY project, as a lot can go wrong.

If you’re planning to dig on your property, you’ll need to check for underground utility lines. Call the national call-before-you-dig 811 number. Once connected to an operator, you can schedule a site visit to mark underground lines. This way, you won’t accidentally dig into pipes and can cause major (read: costly) issues.

Several government-backed lending programs can help first-time home buyers purchase a home with little money down. FHA, USDA, and VA loans are options for qualifying borrowers, though many conventional mortgage lenders will lower down payment rates to as low as 3 percent.