What about things like rainwater drainage? Splash protection strips? Front door entrance platform? Building survey after completion (cadastre office)? I would estimate just these few items at 20,000 €. And even then you would still be sitting in the dirt and walking over pallets into your house... But I am not a professional, have actually never read a construction specification and don't know the tricks. My impression, however, is quite clear: at least 100,000 € are missing here for additional work and then I would plan an extra buffer of 10-20%.