DH and I would like to build a house. We will have almost half the cost of the new house once we sell our current house (even after paying off the current mortgage). However, because our DDs are disabled, it would be very difficult to sell the current house and move to a temporary place while building. In fact, we'd like to be in the new house a month or two while we paint and patch the current place before we put it on the market. Would a bank somehow take into account the value of the house we'll be selling in calculating the construction loan/mortgage for which we would qualify? Would we still have to have a significant cash down payment since we haven't sold the old house yet? Also, we are self-employed, so our income varies. How would a bank take that into account when qualifying us for a mortgage? Thanks!