ERA 289FIA pretty much optioned out, painted, engine, trans,tonneau, roof, cover, etc and built is low to mid $60K. The only options I didn't get were the front brake cooling ducts, the 13" brakes (opted for the 12.2s so I could use the 15" pin drives) and the 17" wheels.
If you do end up deciding on ERA you can lay down a deposit ($5K) to hold a place in the assembly line so they are ready to begin it when you are. Lead time on an ERA kit has historically been anywhere from 3-6 months, roller probably 6-12 months and a turnkey 8-15 months.
Some guys have been known to put their cars on hold for several months when money issues popped up and I don't think that ERA has ever charged anybody for storage.
They don't sell the basic kit in phases, but you can order all of the options in phases. i.e. get the kit and get started on it. buy the suspension later, etc. Make sure you check out their website as the information on it is extensive.
www.erareplicas.com They will also refer you to owners, including local one to you, so that you can find out what issues, if any, they might have had with their builds.
In the end just make sure that you buy what you really want not what somebodyelse tells you you want or simply something you can afford. It will be cheaper in the long run to do it right the first time.
Warren