{"id":14135,"date":"2026-11-09T09:00:00","date_gmt":"2026-11-09T09:00:00","guid":{"rendered":"https:\/\/www.simplywise.com\/blog\/?p=14135"},"modified":"2026-11-09T15:45:25","modified_gmt":"2026-11-09T15:45:25","slug":"draw-schedule-template","status":"publish","type":"post","link":"https:\/\/www.simplywise.com\/blog\/draw-schedule-template\/","title":{"rendered":"Draw Schedule Template: Free PDF, Excel and CSV"},"content":{"rendered":"<div class=\"rv2\">\n<div class=\"rv-site-header\">\n<div class=\"rv-header-in\"><a class=\"rv-brand\" href=\"https:\/\/www.simplywise.com\/\" aria-label=\"SimplyWise home\"><span class=\"rv-bgi\" role=\"img\" aria-label=\"SimplyWise\" style=\"background-image:url('https:\/\/www.simplywise.com\/static-pages\/static\/main-landing-page\/assets\/brand\/wordmark-navy.svg');aspect-ratio:546\/87\"><\/span><\/a><\/p>\n<nav class=\"rv-top-nav\" aria-label=\"Apps\">\n<ul>\n<li><a class=\"rv-tn\" href=\"https:\/\/www.simplywise.com\/#ch-estimates\"><span 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!important;min-height:52px}}<\/style>\n<div class=\"sw-t\" style=\"font-family:Inter,-apple-system,BlinkMacSystemFont,sans-serif;color:#0c0e1e;line-height:1.6;margin:0;padding:0;max-width:100%;overflow-x:hidden\">\n<section style=\"background:#f5f4f2;padding:80px 120px;display:flex;gap:60px;align-items:flex-start;box-sizing:border-box;width:100%\">\n<div style=\"flex:1;min-width:0\">\n<div style=\"font-size:13px;color:#6c6a6a;margin-bottom:24px\">Blog &gt; Free Templates &gt; Draw schedule<\/div>\n<h1 style=\"font-size:48px;font-weight:600;color:#0c0e1e;line-height:1.1;margin:0 0 20px 0;padding:0;letter-spacing:-0.045em\"><span class=\"rv-h1-a\">Draw Schedule Template:<\/span> <span class=\"rv-h1-b\">Free PDF, Excel and CSV<\/span><\/h1>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">Late draw requests can stall the next phase. Use this draw schedule template to show completed work and the amount due. Start with Excel for the math. Use the PDF for a printable record and CSV for plain data.<\/p>\n<p>By SimplyWise \u00b7 Updated November 9, 2026 \u00b7 <span id=\"read-time\">5 min read<\/span><\/p>\n<div style=\"display:flex;gap:12px;flex-wrap:wrap\"><a download=\"\" href=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2026\/11\/simplywise-draw-schedule-template.pdf\" style=\"display:inline-flex;align-items:center;gap:8px;padding:14px 24px;border-radius:999px;font-size:15px;font-weight:600;background:#0071bd;color:#fff;text-decoration:none;border:none\">Download PDF<\/a><a download=\"\" href=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2026\/11\/simplywise-draw-schedule-template.xlsx\" style=\"display:inline-flex;align-items:center;gap:8px;padding:14px 24px;border-radius:999px;font-size:15px;font-weight:600;background:#0071bd;color:#fff;text-decoration:none;border:none\">Download Excel<\/a><a download=\"\" href=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2026\/11\/simplywise-draw-schedule-template.csv\" style=\"display:inline-flex;align-items:center;gap:8px;padding:14px 24px;border-radius:999px;font-size:15px;font-weight:600;background:#0071bd;color:#fff;text-decoration:none;border:none\">Download CSV<\/a><\/div>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">Free downloads. Each includes the same fields and a worked example.<\/p>\n<p><a href=\"https:\/\/swcostestimator.app.link\/ce-ai\" style=\"display:inline-flex;align-items:center;gap:8px;padding:14px 24px;border-radius:999px;font-size:15px;font-weight:600;background:#0071bd;color:#fff;text-decoration:none;border:none\">Try SimplyWise Cost Estimator free<\/a><\/p>\n<p style=\"font-size:13px;color:#6c6a6a\">SimplyWise Cost Estimator: 4.8 rating on the App Store (checked November 9, 2026).<\/p>\n<p class=\"pm__prefsrc\" style=\"margin:16px 0 0;\"><a href=\"https:\/\/www.google.com\/preferences\/source?q=simplywise.com\" rel=\"noopener\" style=\"display:inline-flex;align-items:center;gap:8px;min-height:36px;max-width:100%;box-sizing:border-box;padding:6px 14px;background:#fff;border:1px solid #dbe6ff;border-radius:999px;color:#2563eb;font:600 13.5px\/1.3 Inter,-apple-system,sans-serif;text-decoration:none;white-space:nowrap;\" target=\"_blank\"><svg aria-hidden=\"true\" focusable=\"false\" height=\"18\" style=\"flex:none\" viewbox=\"0 0 48 48\" width=\"18\"><path d=\"M24 9.5c3.54 0 6.71 1.22 9.21 3.6l6.85-6.85C35.9 2.38 30.47 0 24 0 14.62 0 6.51 5.38 2.56 13.22l7.98 6.19C12.43 13.72 17.74 9.5 24 9.5z\" fill=\"#EA4335\"><\/path><path d=\"M46.98 24.55c0-1.57-.15-3.09-.38-4.55H24v9.02h12.94c-.58 2.96-2.26 5.48-4.78 7.18l7.73 6c4.51-4.18 7.09-10.36 7.09-17.65z\" fill=\"#4285F4\"><\/path><path d=\"M10.53 28.59c-.48-1.45-.76-2.99-.76-4.59s.27-3.14.76-4.59l-7.98-6.19C.92 16.46 0 20.12 0 24c0 3.88.92 7.54 2.56 10.78l7.97-6.19z\" fill=\"#FBBC05\"><\/path><path d=\"M24 48c6.48 0 11.93-2.13 15.89-5.81l-7.73-6c-2.15 1.45-4.92 2.3-8.16 2.3-6.26 0-11.57-4.22-13.47-9.91l-7.98 6.19C6.51 42.62 14.62 48 24 48z\" fill=\"#34A853\"><\/path><\/svg>Add SimplyWise as a preferred source<\/a><\/p>\n<\/div>\n<div style=\"flex:0 0 460px\">\n<div style=\"background:#fff;border-radius:22px;padding:28px 32px;box-shadow:0 0 0 1px rgba(12,14,30,.04),0 10px 26px -18px rgba(12,56,89,.4)\">\n<h3 style=\"font-size:17px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\">At a glance<\/h3>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">Track work first. Request payment next.<\/p>\n<ul>\n<li>Enter the agreed value for each work item.<\/li>\n<li>Update the total percent complete.<\/li>\n<li>Subtract prior gross requests.<\/li>\n<li>Show retainage before the net draw.<\/li>\n<\/ul>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">Example only: $600 gross, $60 held, $540 net. Confirm the lender\u2019s form before filing.<\/p>\n<\/div>\n<\/div>\n<\/section>\n<section id=\"draw-basics\" style=\"padding:80px 120px;background:#fff;box-sizing:border-box;width:100%\">\n<h2 style=\"font-size:36px;font-weight:600;margin:0 0 24px 0;color:#0c0e1e;letter-spacing:-0.035em\">What is a draw schedule?<\/h2>\n<figure style=\"margin:0 0 32px 0;padding:0\">\n<img decoding=\"async\" alt=\"Two-story house with blue siding and stone base nearing completion on a building site\" loading=\"eager\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2026\/11\/draw-schedule-template-hero.jpg\" style=\"width:100%;height:auto;border-radius:16px;display:block\"\/><figcaption style=\"font-size:12px;color:#6b7280;margin-top:6px;\">Photo: Famartin, CC BY-SA 4.0, via Wikimedia Commons (cropped)<\/figcaption><\/figure>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">A draw schedule links progress payments to work milestones. A draw request asks for the next payment. Keep both tied to the agreed scope. <a href=\"https:\/\/www.simplywise.com\/blog\/what-is-a-draw-schedule\/\">See how a draw schedule works<\/a>.<\/p>\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px\">\n<div style=\"background:#f5f4f2;border-radius:12px;padding:32px;border:1px solid #e7e5e1\">\n<h3 style=\"font-size:17px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\">Project and work<\/h3>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">Keep each work item tied to the job and draw number.<\/p>\n<\/div>\n<div style=\"background:#f5f4f2;border-radius:12px;padding:32px;border:1px solid #e7e5e1\">\n<h3 style=\"font-size:17px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\">Agreed value<\/h3>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">Record the budget cap and signed contract value.<\/p>\n<\/div>\n<div style=\"background:#f5f4f2;border-radius:12px;padding:32px;border:1px solid #e7e5e1\">\n<h3 style=\"font-size:17px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\">Progress<\/h3>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">Track the previous and current total percent complete.<\/p>\n<\/div>\n<div style=\"background:#f5f4f2;border-radius:12px;padding:32px;border:1px solid #e7e5e1\">\n<h3 style=\"font-size:17px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\">Prior requests<\/h3>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">Carry forward gross amounts already requested.<\/p>\n<\/div>\n<div style=\"background:#f5f4f2;border-radius:12px;padding:32px;border:1px solid #e7e5e1\">\n<h3 style=\"font-size:17px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\">Retainage<\/h3>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">Show the amount held back from this draw.<\/p>\n<\/div>\n<div style=\"background:#f5f4f2;border-radius:12px;padding:32px;border:1px solid #e7e5e1\">\n<h3 style=\"font-size:17px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\">Review trail<\/h3>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">Record inspection evidence and approval status.<\/p>\n<\/div>\n<\/div>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">Price the scope first with <a href=\"https:\/\/swcostestimator.app.link\/ce-ai\" style=\"color:#0071bd;font-weight:600;text-decoration:none\">SimplyWise Cost Estimator<\/a>. Then copy the agreed work values into your schedule.<\/p>\n<\/section>\n<section id=\"schedule-request\" style=\"padding:80px 120px;background:#f5f4f2;box-sizing:border-box;width:100%\">\n<h2 style=\"font-size:36px;font-weight:600;margin:0 0 24px 0;color:#0c0e1e;letter-spacing:-0.035em\">Draw schedule or draw request?<\/h2>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">Use this draw schedule template as a progress ledger. Set planned milestones in the contract or lender packet.<\/p>\n<table style=\"width:100%;border-collapse:collapse\">\n<thead>\n<tr>\n<th>Document<\/th>\n<th>What it records<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Schedule<\/td>\n<td>The work that triggers each planned payment.<\/td>\n<\/tr>\n<tr>\n<td>Request<\/td>\n<td>Completed work, prior draws and the amount now due.<\/td>\n<\/tr>\n<tr>\n<td>Approval<\/td>\n<td>The reviewer\u2019s decision and any revised amount.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">Keep the scope beside the schedule. Our <a href=\"https:\/\/www.simplywise.com\/blog\/construction-proposal-template\/\">construction proposal template<\/a> helps describe that work.<\/p>\n<\/section>\n<section id=\"track-progress\" style=\"padding:80px 120px;background:#fff;box-sizing:border-box;width:100%\">\n<h2 style=\"font-size:36px;font-weight:600;margin:0 0 24px 0;color:#0c0e1e;letter-spacing:-0.035em\">How do you track percent complete?<\/h2>\n<div style=\"background:#f5f4f2;border-radius:12px;padding:32px;margin-bottom:16px;display:flex;gap:24px;align-items:flex-start\">\n<div style=\"width:48px;height:48px;min-width:48px;background:#0071bd;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:20px;font-weight:700\">1<\/div>\n<div>\n<h3 style=\"font-size:20px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\">Set the agreed work values<\/h3>\n<p style=\"font-size:15px;color:#3a3c45;line-height:1.6;margin:0\">Match each work item to the approved scope. Use a separate record and keep its name stable.<\/p>\n<\/div>\n<\/div>\n<div style=\"background:#f5f4f2;border-radius:12px;padding:32px;margin-bottom:16px;display:flex;gap:24px;align-items:flex-start\">\n<div style=\"width:48px;height:48px;min-width:48px;background:#0071bd;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:20px;font-weight:700\">2<\/div>\n<div>\n<h3 style=\"font-size:20px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\">Check progress on site<\/h3>\n<p style=\"font-size:15px;color:#3a3c45;line-height:1.6;margin:0\">Enter total completion, not just this period\u2019s progress. Keep photos and inspection notes with the request.<\/p>\n<\/div>\n<\/div>\n<div style=\"background:#f5f4f2;border-radius:12px;padding:32px;margin-bottom:16px;display:flex;gap:24px;align-items:flex-start\">\n<div style=\"width:48px;height:48px;min-width:48px;background:#0071bd;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:20px;font-weight:700\">3<\/div>\n<div>\n<h3 style=\"font-size:20px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\">Subtract earlier requests<\/h3>\n<p style=\"font-size:15px;color:#3a3c45;line-height:1.6;margin:0\">Gross earned to date equals eligible value times total completion. Subtract gross previously requested to find this draw.<\/p>\n<\/div>\n<\/div>\n<div style=\"background:#f5f4f2;border-radius:12px;padding:32px;margin-bottom:16px;display:flex;gap:24px;align-items:flex-start\">\n<div style=\"width:48px;height:48px;min-width:48px;background:#0071bd;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:20px;font-weight:700\">4<\/div>\n<div>\n<h3 style=\"font-size:20px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\">Review the net amount<\/h3>\n<p style=\"font-size:15px;color:#3a3c45;line-height:1.6;margin:0\">Subtract this draw\u2019s retainage from the gross draw. Ask the reviewer to confirm the amount before release.<\/p>\n<\/div>\n<\/div>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">Keep withheld funds visible. Read <a href=\"https:\/\/www.simplywise.com\/blog\/what-is-retainage-in-construction\/\">how retainage works<\/a> before setting the rate. Keep the approved budget in your <a href=\"https:\/\/www.simplywise.com\/blog\/construction-budgeting-software\/\">job budget records<\/a>.<\/p>\n<\/section>\n<section id=\"worked-example\" style=\"padding:80px 120px;background:#f5f4f2;box-sizing:border-box;width:100%\">\n<h2 style=\"font-size:36px;font-weight:600;margin:0 0 24px 0;color:#0c0e1e;letter-spacing:-0.035em\">Worked example: two drywall draws<\/h2>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">This draw schedule template uses the figures from HUD\u2019s published 2021 draw-request form. These are teaching values, not market prices. The form lists a $1,500 budget, a $1,200 contract and 50% completion. Its gross request is $600.<\/p>\n<table style=\"width:100%;border-collapse:collapse\">\n<thead>\n<tr>\n<th>Example draw<\/th>\n<th>Total complete<\/th>\n<th>Gross this draw<\/th>\n<th>Net this draw<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>First<\/td>\n<td>50%<\/td>\n<td>$600<\/td>\n<td>$540<\/td>\n<\/tr>\n<tr>\n<td>Second<\/td>\n<td>100%<\/td>\n<td>$600<\/td>\n<td>$540<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">The second row extends that example to completion. Both rows use the form\u2019s 10% holdback for illustration. Each holds $60. Together, they leave $120 held back. Release that amount separately under the agreed terms.<\/p>\n<h3 style=\"font-size:17px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\">Before you send the next request<\/h3>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">Match the completion figure to work you can show on site. A delivery receipt alone does not prove installation. If the reviewer cuts a prior request, reconcile that change before you carry the figure forward. Save a dated copy of each request and its approval. This keeps a revised row from hiding what you billed before.<\/p>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">The second request subtracts $600 gross previously requested. Do not subtract the $540 net payment. That would bill withheld money again. <a href=\"https:\/\/www.simplywise.com\/blog\/construction-billing-software\/\">Construction billing tools<\/a> can help organize your payment records.<\/p>\n<\/section>\n<section id=\"file-fields\" style=\"padding:80px 120px;background:#fff;box-sizing:border-box;width:100%\">\n<h2 style=\"font-size:36px;font-weight:600;margin:0 0 24px 0;color:#0c0e1e;letter-spacing:-0.035em\">What does the draw schedule template include?<\/h2>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">All formats carry these exact fields, in this order:<\/p>\n<ul id=\"template-fields\">\n<li>Project<\/li>\n<li>Draw number<\/li>\n<li>Request date<\/li>\n<li>Work item<\/li>\n<li>Budget cap<\/li>\n<li>Contract value<\/li>\n<li>Previous completion (%)<\/li>\n<li>Current completion (%)<\/li>\n<li>Eligible value<\/li>\n<li>Gross earned to date<\/li>\n<li>Gross previously requested<\/li>\n<li>Gross this draw<\/li>\n<li>Retainage rate (%)<\/li>\n<li>Retainage this draw<\/li>\n<li>Net this draw<\/li>\n<li>Evidence and status<\/li>\n<\/ul>\n<h3 style=\"font-size:17px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\">Choose the format<\/h3>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">The PDF includes a fillable blank form and two example pages. Excel has Template and Worked example sheets with formulas. CSV contains the example rows as flat values. Its percentages use decimals, so 0.5 means 50%. Clear example values before entering a real job. Copy the Template sheet for more work items. Keep each item\u2019s prior requests together.<\/p>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">Excel uses the lower budget cap or contract value as eligible value. Enter your lender\u2019s approved basis. Use a zero retainage rate only when the agreed terms call for none.<\/p>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">Attach the lender\u2019s required forms and evidence. Check its <a href=\"https:\/\/www.simplywise.com\/blog\/what-is-a-lien-waiver\/\">lien waiver requirements<\/a> before submitting. <a href=\"https:\/\/swcostestimator.app.link\/ce-ai\" style=\"color:#0071bd;font-weight:600;text-decoration:none\">Build the original quote with SimplyWise Cost Estimator<\/a>.<\/p>\n<\/section>\n<section id=\"simplywise\" style=\"padding:80px 120px;background:#fff;text-align:center;box-sizing:border-box;width:100%\">\n<h2 style=\"font-size:36px;font-weight:600;margin:0 0 24px 0;color:#0c0e1e;letter-spacing:-0.035em\">The free files and SimplyWise Cost Estimator<\/h2>\n<div style=\"display:flex;gap:32px;justify-content:center;max-width:900px;margin:0 auto\">\n<div style=\"flex:1;border-radius:16px;padding:40px 32px;text-align:left;background:#f5f4f2;border:1px solid #e7e5e1\">\n<h3 style=\"font-size:17px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\">Track the draw<\/h3>\n<p style=\"font-size:16px;color:#3a3c45;line-height:1.7;margin:0 0 24px 0;max-width:820px\">Use the free files to check progress and request amounts. Keep the lender\u2019s release decision in your records.<\/p>\n<\/div>\n<div style=\"flex:1;border-radius:16px;padding:40px 32px;text-align:left;background:#0c3859;color:#fff\">\n<h3 style=\"color:#fff\">Price the scope<\/h3>\n<p>SimplyWise Cost Estimator turns a photo into an itemized estimate in about 6 seconds.<\/p>\n<p>Send a professional, branded quote the client signs to approve.<\/p>\n<p>$29.99 a month, $239.99 a year (about $20 a month on annual), 7-day free trial.<\/p>\n<p><a href=\"https:\/\/swcostestimator.app.link\/ce-ai\" style=\"display:inline-flex;align-items:center;gap:8px;padding:14px 24px;border-radius:999px;font-size:15px;font-weight:600;background:#0071bd;color:#fff;text-decoration:none;border:none\">Try SimplyWise Cost Estimator free<\/a><\/div>\n<\/div>\n<\/section>\n<section id=\"faq\" style=\"padding:80px 120px;background:#f5f4f2;box-sizing:border-box;width:100%\">\n<h2 style=\"font-size:36px;font-weight:600;margin:0 0 24px 0;color:#0c0e1e;letter-spacing:-0.035em\">Questions before your next draw<\/h2>\n<div style=\"max-width:800px;margin:0 auto\">\n<details style=\"border-bottom:1px solid #e7e5e1;padding:20px 0\">\n<summary>\n<h3 style=\"font-size:17px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\">How many draws should my job have?<\/h3>\n<\/summary>\n<p>Set the draw count with the lender and owner before work starts. Match each request to a clear work milestone. This example does not set a standard draw count.<\/p>\n<\/details>\n<details style=\"border-bottom:1px solid #e7e5e1;padding:20px 0\">\n<summary>\n<h3 style=\"font-size:17px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\">What does a lender check before releasing a draw?<\/h3>\n<\/summary>\n<p>Ask for the lender\u2019s current checklist. HUD\u2019s published example includes inspection, prior draw totals and lender adjustments. Keep the requested amount separate from the amount the lender approves.<\/p>\n<\/details>\n<details style=\"border-bottom:1px solid #e7e5e1;padding:20px 0\">\n<summary>\n<h3 style=\"font-size:17px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\">Can I bill materials that are still on site?<\/h3>\n<\/summary>\n<p>Check the loan\u2019s rules first. HUD\u2019s published form excludes materials that have not been acceptably installed. Do not assume another lender uses the same rule.<\/p>\n<\/details>\n<details style=\"border-bottom:1px solid #e7e5e1;padding:20px 0\">\n<summary>\n<h3 style=\"font-size:17px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\">Does this draw schedule template replace the lender\u2019s form?<\/h3>\n<\/summary>\n<p>No. Use it to organize the figures and evidence. Submit the lender\u2019s required form and supporting documents. The files do not approve or release funds.<\/p>\n<\/details>\n<\/div>\n<\/section>\n<section id=\"keep-reading\" style=\"padding:80px 120px;background:#fff;box-sizing:border-box;width:100%\">\n<h2 style=\"font-size:36px;font-weight:600;margin:0 0 24px 0;color:#0c0e1e;letter-spacing:-0.035em\">Keep reading<\/h2>\n<div style=\"display:flex;gap:24px;width:100%\">\n<div style=\"flex:1;background:#fff;border-radius:22px;padding:20px;border:1px solid #e7e5e1\">\n<h3 style=\"font-size:17px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\"><a href=\"https:\/\/www.simplywise.com\/blog\/what-is-a-draw-schedule\/\">Plan your draw schedule<\/a><\/h3>\n<\/div>\n<div style=\"flex:1;background:#fff;border-radius:22px;padding:20px;border:1px solid #e7e5e1\">\n<h3 style=\"font-size:17px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\"><a href=\"https:\/\/www.simplywise.com\/blog\/what-is-retainage-in-construction\/\">Track withheld funds<\/a><\/h3>\n<\/div>\n<div style=\"flex:1;background:#fff;border-radius:22px;padding:20px;border:1px solid #e7e5e1\">\n<h3 style=\"font-size:17px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\"><a href=\"https:\/\/www.simplywise.com\/blog\/construction-budgeting-software\/\">Keep the job budget current<\/a><\/h3>\n<\/div>\n<\/div>\n<h3 style=\"font-size:17px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\">Sources checked November 9, 2026<\/h3>\n<ul>\n<li><a href=\"https:\/\/www.hud.gov\/sites\/dfiles\/OCHCO\/documents\/9746-A.pdf\">HUD draw-request form, 2021 edition<\/a>: fields and worked arithmetic. Confirm current program rules with the lender.<\/li>\n<\/ul>\n<h3 style=\"font-size:17px;font-weight:600;margin:0 0 8px 0;color:#0c0e1e\">Product facts<\/h3>\n<ul>\n<li><a href=\"https:\/\/www.simplywise.com\/blog\/pricing\/\">SimplyWise pricing<\/a>, read November 4, 2026. Product claims follow the verified SimplyWise facts.<\/li>\n<\/ul>\n<\/section>\n<section style=\"background:#0071bd;text-align:center;padding:80px 120px;box-sizing:border-box;width:100%\">\n<h2 style=\"font-size:36px;font-weight:600;color:#ffffff;margin:0 0 16px 0;letter-spacing:-0.035em\">Price the work before you plan the draws<\/h2>\n<p style=\"font-size:16px;color:#ffffff;margin:0 0 32px 0\">Build the quote, review each line, then set the agreed work values. SimplyWise Cost Estimator is free to try.<\/p>\n<p><a href=\"https:\/\/swcostestimator.app.link\/ce-ai\" style=\"display:inline-block;background:#ffffff;color:#0c3859;padding:16px 32px;border-radius:999px;font-size:16px;font-weight:600;text-decoration:none\">Try SimplyWise Cost Estimator free<\/a><br \/>\n<\/section>\n<\/div>\n<p><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@graph\": [{\"@type\": \"Article\", \"headline\": \"Draw Schedule Template: Free PDF, Excel and CSV\", \"description\": \"Use this free draw schedule template to track percent complete, prior draws and retainage. 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Match each request to a clear work milestone. This example does not set a standard draw count.\"}}, {\"@type\": \"Question\", \"name\": \"What does a lender check before releasing a draw?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Ask for the lender\u2019s current checklist. HUD\u2019s published example includes inspection, prior draw totals and lender adjustments. Keep the requested amount separate from the amount the lender approves.\"}}, {\"@type\": \"Question\", \"name\": \"Can I bill materials that are still on site?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Check the loan\u2019s rules first. HUD\u2019s published form excludes materials that have not been acceptably installed. Do not assume another lender uses the same rule.\"}}, {\"@type\": \"Question\", \"name\": \"Does this draw schedule template replace the lender\u2019s form?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"No. Use it to organize the figures and evidence. Submit the lender\u2019s required form and supporting documents. The files do not approve or release funds.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Blog\", \"item\": \"https:\/\/www.simplywise.com\/blog\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Free Templates\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Draw schedule\", \"item\": \"https:\/\/www.simplywise.com\/blog\/draw-schedule-template\/\"}]}<\/script><\/p>\n<div class=\"rv-site-footer\">\n<div><span aria-label=\"SimplyWise\" class=\"rv-bgi rv-wm\" role=\"img\" style=\"background-image:url('https:\/\/www.simplywise.com\/static-pages\/static\/main-landing-page\/assets\/brand\/wordmark-white.svg');aspect-ratio:546\/87\"><\/span><\/p>\n<p class=\"rv-tag\">Smart tools for contractors<\/p>\n<ul class=\"rv-foot-links\">\n<li><a href=\"https:\/\/simplywise.com\/login\">Log in<\/a><\/li>\n<li><a href=\"https:\/\/www.simplywise.com\/#program\">New Business Program<\/a><\/li>\n<li><a href=\"https:\/\/www.simplywise.com\/about\">About<\/a><\/li>\n<li><a href=\"https:\/\/www.simplywise.com\/support\">Support<\/a><\/li>\n<li><a href=\"https:\/\/www.simplywise.com\/privacy\">Privacy<\/a><\/li>\n<li><a href=\"https:\/\/www.simplywise.com\/terms\">Terms<\/a><\/li>\n<li><a href=\"https:\/\/www.simplywise.com\/blog\/\">Blog<\/a><\/li>\n<\/ul>\n<p><small>\u00a9 2026 SimplyWise<\/small><\/div>\n<\/div>\n<\/div>\n<p><script>\ndocument.addEventListener('DOMContentLoaded', function() {\n  var selectors = ['.entry-header','.page-header','article > h1:first-child','.entry-footer'];\n  selectors.forEach(function(s) { document.querySelectorAll(s).forEach(function(el) { el.style.display = 'none'; }); });\n  var el = document.querySelector('.sw-t');\n  while (el && el !== document.body) {\n    el.style.maxWidth = '100%';\n    el.style.width = '100%';\n    el.style.padding = '0';\n    el.style.margin = '0';\n    el.style.float = 'none';\n    el.style.flex = '0 0 100%';\n    el = el.parentElement;\n  }\n  document.body.style.marginTop = '0';\n  document.body.style.paddingTop = '0';\n  document.querySelectorAll('.sw-fq').forEach(function(q) {\n    q.addEventListener('click', function() {\n      var a = this.nextElementSibling;\n      a.style.display = a.style.display === 'block' ? 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Start with Excel for the [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_linkdex":"87","_yoast_wpseo_content_score":"90","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_canonical":"","inline_featured_image":false,"footnotes":""},"categories":[177],"tags":[],"class_list":["post-14135","post","type-post","status-publish","format-standard","hentry","category-free-templates"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Draw Schedule Template: Free PDF, Excel and CSV<\/title>\n<meta name=\"description\" content=\"Use this free draw schedule template to track percent complete, prior draws and retainage. 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