I think you might start with 5000-ish "coins" and one dwarf - the soon-to-be leader.
You would have to hire workforce - dwarves (humans/elves/whatever else you play). A dwarf won't cost much, around a hundred coins for an unskilled dwarf in pig tail or cheap leather clothes. You will probably spend around 60 or 70 on skilling up the dwarf, and then some more on buying the extra food for him.
After that, you must have a variable as "allowed weight". A dwarf on foot takes as much as an average dwarf carries. A pack animal takes a significantly larger load. A cart towed by an animal (should cost 50-ish, due to the need of having pulling power) takes even more. A large 3x3 starting wagon will become available only once you have at least two free "propulsion animals", will cost you a bundle of coin (100-ish), and will take just about anything you can wish to take - but with a limit, of course, so no taking half the limestone quarry with you on one wagon. More carts or large wagons will be purchaseable, as needed.
With this realism bit in place, another should follow. You start at the edge of the map, like a trader caravan. You then order your rig to move where you want, and then settle down and unload.
This complicated system will be less complicated with saveable embark loadouts and some nice initial setups.