Umbraco comes with a limited number of starterkits, skins and macro templates. You can use any of these as you like, but as they are fairly simple, generally you will end up building what you want. One of the great advantages of Umbraco is this kind of flexibility. Umbraco is geared towards developers who have a .Net background, and is very easy if you have .Net experience. If not, there's a little bit of a learning curve, but there are a good number of resources available as well as an active community to aid in the learning process.
Umbraco has about 4 or so built in starterkits and Our Umbraco has several more that other users have contributed.