In recent years, architectural design automation has made significant progress, but the complexity of open-world environments continues to make residential design a challenging task, often requiring experienced architects to perform multiple iterations and human-computer interactions. Therefore, assisting ordinary users in navigating these complex environments to generate and edit residential structures is crucial. In this paper, we present the CARD framework, which leverages a system of specialized cross-modal agents to adapt to complex open-world environments. The framework includes a point-based cross-modal information representation (CMI-P) that encodes the geometry and spatial relationships of residential rooms, a cross-modal residential generation model that acts as the lead designer to create standardized floor plans, and an embedded expert knowledge base for evaluating whether the designs meet user requirements and residential codes, providing feedback accordingly. Finally, a 3D rendering module assists users in visualizing and understanding the structure. CARD enables cross-modal residential generation from free-text input, empowering users to adapt to complex environments without requiring specialized expertise.