High-definition 3D human modeling and real-time animation are increasingly vital in applications spanning virtual reality, education, gaming, and digital healthcare. This paper introduces Genemate, a low-cost, modular framework that automates the end-to-end pipeline for generating and animating realistic 3D human models from 2D images. Genemate integrates a 13-stage photogrammetry pipeline—built on Meshroom—for dense 3D reconstruction, couples it with automated rigging using AccuRig, and leverages MediaPipe for real-time pose estimation and motion retargeting. Unlike traditional pipelines that demand high-end infrastructure or manual intervention, Genemate decouples modeling from animation, enabling pre-constructed models to be animated live with minimal computational overhead. Experimental results on multiple image sets demonstrate that Genemate achieves real-time rendering speeds (15–24 FPS) and high-fidelity character outputs, all using consumer-grade hardware. The framework’s scalability, affordability, and reproducibility make it a promising candidate for democratizing access to photorealistic 3D human animation in resource-constrained environments.