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The 200 amp box on the pole is not a breaker box, just a disconnect. You can't run both a 200 amp panel in your home and a 100 amp panel for your barn from this 200 amp service panel. I doubt that you would have a load problem unless you are already ...
Are you building it yourself, or getting a company to do it for you? This will make a big difference in price. A company will charge you for materials, and add in fees for delivering the materials (the cost to get it shipped to them, and then to you)...
Life of modular building is maximum 10 to 15 yrs but conventional building will go with you till last date of life and may be go for next generation if keep always in maintenance. Bank asked a right question as durability is depend on your maintenanc...