Then get a geotechnical survey done as soon as possible, then you will be on the safe side. And who knows, maybe you can also borrow less. I was given a service provider for a geotechnical survey here in the forum -> commissioned yesterday. The appointment is on 15.05. and the result will come on 30.05.
Without the updates I mentioned, I really can’t imagine how you want to burn through the money with that plot price.
We are building in BY 139m² plus basement (2 full stories solid with bricks) for 420k€ including e.g. KfW 55, 26k€ for L-blocks, air-to-water heat pump, 3-sided chimney from Schiedel, 2x 3m lift-and-slide doors, central controlled ventilation + underfloor heating in upper floor, ground floor and basement, 220m² tiles (floors + walls), electric shutters, 8.82 kWp photovoltaic system, terrace paths + carport, painting work, guest WC with shower.
The price is of course without plot and kitchen.
So you should be able to get a lot done if the soil cooperates.