Understanding Construction Draw Schedules in Pool Building

If you’re planning a new pool, one of the most important parts of the construction process to understand is the draw schedule—the system that determines when payments are made throughout the project.

Unlike traditional purchases, a swimming pool is built in phases. Each phase has different costs, timelines, subcontractors, and materials involved. A draw schedule ensures that payments are tied directly to the work being completed, keeping the project fair, transparent, and efficient for everyone involved.

Here’s a clear look at how draw schedules work in the pool industry and why they exist in the first place.

Why Pool Builders Use a Draw Schedule

Pool construction is completed in major milestones such as:

• Excavation

• Steel installation

• Gunite or shotcrete

• Plumbing

• Tile & Coping

• Decking

• Equipment setup

• Interior finish

Each of these phases represents a different portion of the total project cost. A draw schedule divides payment into stages that align with these phases.

This system ensures:

• Builders are funded to complete each phase on time

• Subcontractors and suppliers remain on schedule

• Homeowners never pay ahead for work that hasn’t been completed

• The project stays financially balanced from beginning to end

It’s similar to purchasing a new car: you can’t drive it off the lot without payment or financing. In construction, major phases can’t begin until the corresponding draw is paid. This keeps both parties protected and aligned.

Why Some Draws Are Larger Than Others

Not all construction phases cost the same. Some phases require heavy equipment and labor, while others involve more finishing work and less material expense.

Here’s how the cost typically breaks down:

1. Excavation & Decking (Usually Around 30% Each)

These stages are among the most labor- and equipment-intensive parts of the entire project.

They include costs such as:

• Heavy machinery

• Dirt removal and hauling

• Forming and framing

• Concrete preparation

• Pavers or other hardscape materials

Because these phases carry some of the largest expenses, they also carry the largest draw percentages.

2. Interior Finish (Often a 5% Final Draw)

While plaster or pebble finishes are vital to the look and longevity of a pool, their cost is lower relative to the full project.

Builders often keep the final draw small intentionally. It allows homeowners to feel secure knowing they hold a small portion of the contract value until the final phase is completed—offering peace of mind and a sense of balance at the end of the build.

How a Draw Schedule Protects Homeowners

A well-structured draw schedule isn’t just beneficial to the builder—it’s designed to protect homeowners as well.

It ensures:

• Payment is always tied to completed work

• You never pay ahead of progress

• Funds are released only when major milestones are met

• The builder can keep subcontractors and materials on schedule

• The project moves smoothly from phase to phase

This system helps prevent disputes, misunderstandings, or delays caused by unclear payment expectations.

Why Transparency Matters

For many homeowners, a pool is one of the largest investments they will ever make in their home. A clear draw schedule provides predictability, reinforces trust, and helps everyone stay aligned from start to finish.

Understanding how and why the draw schedule works removes confusion and creates peace of mind long before construction begins.