You should set up Products and Services and link them to WIP = Other Asset. This would be Billable, and instead of Income, the charge for this payment to you is Liability = construction loan draws. Example:

You pay for Permit = Asset value "investment in the project." They reimburse you = you are more in debt.

Use them as Billable to a customer name, and the project is the customer name. List that as the Purchase details, such as Permit, Doors, Painting Labor, etc.

For drawing from the construction loan, create an Invoice for the Billable charges. Remember, this is all on the Balance Sheet. Not expense and not income.

Now, you spent $15,000 on various costs, and you are "submitting for reimbursement."

That will be the Funds you get, and that Received Payment applies to close the open invoice and is money to the bank.

For anything paid by the title company or bank directly from the loan, this changes nothing except Banking. None of it went through your bank. So, create or treat this as Cash On Hand bank and use it to enter payments made to the suppliers, with the same Products and Services. This "account" runs negative, so you need to Make a Deposit, from the Liability Construction Loan account. That amount that was spent on your behalf is the amount they just drew from your Loan.

And now you have provided for the two different ways the loan gets increased: by you submitting for draws, and by them, just using your funds.

Services are for Labor.

Noninventory Products are for Stuff.