How much does a residential draw inspection cost?

What is inside the price.

A draw inspection fee pays for four things: an inspector's travel and time on site, the capture of photos and line-item observations, a quality review before the report goes out, and the coordination that gets the order to the right person and the report back to the lender. Vendors weight those differently, which is the main reason prices vary.

A few patterns hold across the market. Single-family residential draws are the lowest-cost visit. Projects in rural or hard-to-reach locations usually carry a travel premium. Reports with more required photos, more line items or a stored-materials review cost more than a simple milestone check. Rush requests cost more than scheduled ones. Lenders with steady volume generally pay a contracted rate rather than a list price.

What RAZE charges.

The RAZE Rate Card is public so lenders can budget without a quote. Through RAZE a standard single-family residential draw inspection is a flat $125 at any U.S. address, including Alaska and Hawaii, when RAZE sends the inspector (Marketplace), with +$35 per additional unit for duplexes through quadplexes. With your own inspector (Direct Request) it is $25 per request for the software and the report. There are no minimums and no platform fee, and RAZE bills monthly. Those are residential rates; commercial inspections are quoted separately.

The fee versus the risk it controls.

The fee is small next to the advance it protects. One inspection typically gates a disbursement many times its own cost. The FDIC's research on multiple-draw construction loans found that more frequent inspection is associated with fewer defaults, and that negative reports lead to more draw denials; Tulane University's summary of the same work puts it as loans with more on-site inspections being less likely to default. Read that way, the inspection fee is the cost of knowing before funding, not an overhead to minimize.

Why it matters for lenders.

Two things go wrong with pricing. The first is opacity: quotes on request, bundled fees and rates that differ by branch make the cost impossible to budget or audit. The second is false economy: skipping inspections on "low-risk" draws to save a fee, which is exactly the draw a workout team will ask about later. Lenders are better served by a known per-inspection price, applied consistently, than by the lowest number on any one quote. The long-form version of this answer, with the full card, is the post It's on the Rate Card.