Kathy, just a quick heads up - it will be highly unlikely that you can find a lender to do this. If the cost of the pool is included in the contract price of the new construction that is one thing, but to have an escrow holdback for a swimming pool probably won't fly. Fannie/Freddie wouldn't accept this, so your only shot is 1.) A portfolio lender, or 2.) A lender willing to allow the holdback, then verify the work is done prior to selling to Fannie/Freddie. Escrow holdbacks that are allowed now are typically for necessary items (roof repair, etc) and are MUCH smaller dollar amounts than what it would cost to put in a pool. How long after construction is complete will the pool be installed? I assume this is an inground pool. Is there a reason it can't be put in now rather than after closing?