10/17/2026
🏗️ Two builders, two offers. How do you compare them?
Builders often compete with incentives. One may offer a lower price, and another may offer a rate buydown. With rates near 7.4%, a buydown can lower your monthly payment for the first few years. After that period ends, your payment goes up to the full rate. A low payment today does not always mean a lower cost overall.
Put both offers side by side and compare these five things:
✅ Final price. Look at the price after all incentives and upgrades are counted.
✅ Monthly payment, now and later. Check the payment during the buydown and after it ends.
✅ Closing costs. Ask what the builder pays and what you pay. Some builders only help if you use their preferred lender.
✅ Move-in date. Get the estimated date in writing. A delay can mean extra rent or a rate lock that expires.
✅ Warranty. Ask what is covered, for how long, and how to file a claim.
Read each offer in full before you sign. Incentives often come with conditions.
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