Are you going to be using it like a pool house or something? Would it need to have HVAC? Is the plumbing on the lot accessible and variable? How rustic or basic do you want the interiors? More details are needed to really give an answer.

If you have a mortgage, they require a licensed contractor with insurance to do the repairs. They will pay in “draws”, in both your name and the contractor’s name. They require an inspection before releasing another draw. In my case, they paid 1/3, inspect at 50%, paid 1/3, then inspect at 95%, paid the final draw. At least that was in my case of flood damage. My mortgage company required a signed contract before they would release funds. I did not have to use the same guy for everything. Or, if I wanted to fix myself, I could, but had to out of pocket, then once inspected, they would send me all of the insurance funds. I also could have sold my home, paid off the mortgage, then collected the insurance check after the mortgage company was paid in full. Best of luck to you. I’m still dealing with the damage from a flood over a year ago. It sucks. Wouldn’t wish it on anyone. Hope things work out for you.

I just entered our information into the program below and it was amazingly accurate, about 1.5% or approximately 25,000 higher than actual cost. However we built July, 2016-October 2017 year and it may have been adjusted since then for increases in costs.. Cost to build I remember doing this from plans before we built and hoped that it would be wrong (overestimated by a greater percentage. Unfortunately, That wasn't the case. Other results mat be different, but it is an interesting exercise.

On the plus side, your present layout of kitchen appliances is in a good working order (fridge, sink, prep space range) so you may be able to save $ by not moving any of those items or not moving them much. While I don't mind the older cabinets (I have an older, vintage style myself), there are not that many of them, and it may be within your budget to replace them. Without measurements, my thought would be a peninsula off the wall between the windows to increase counter space or possibly a small, movable island. I have the small island but it just fits and your space looks a tad smaller. There might not be room for a peninsula - why measurements would be helpful. You are correct that the style clash is not helping:) Realistically, a table that is the only eating area and part of the kitchen will probably need to be less formally dressed. If a peninsula wide enough to hold a couple of eating spaces fits, smaller meals and snacks could happen there, and then the dining table can be a bit formal. I think if you change out the cabinets, counters and backsplash to a less country style, you and your husband can find a style that is a better mix of your taste. If this was my space I would also consider at some point putting the same flooring throughout - for me that would be an ordinary solid hardwood.