HD loan Construction Costs

[Arens Sasha]

Hi, 

I'm a newbie. Never flipped before.

If you take out a HD loan and say your construction estimate comes in at $100k.

Eventually the actual estimated construction costs only cost you $90k.

When you take a draw does the bank give you money based on receipts/invoices?

Or based on the initial estimate you gave them when applying?

If you only need the $90k, are you obligated to take the $100k (so the bank receives more interest)?

Thanks