Home decisions · New construction
Which builder offer is actually cheaper?
A price cut, a closing credit and a temporary payment subsidy do different jobs. Compare two or three written offers over the same months, with debt still visible.
Local knowledge. A clearer decision.What to bring: dated written offers, loan quotes, lot and upgrade prices, restrictions and expiration dates.
Your assumptions
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The decision, in numbers
Scenario A
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Useful context for this decision
Questions before signing a builder contract
Use this to identify missing incentive conditions and lender restrictions.
Read the guide →
Davidson Homes context
Read the builder profile; enter current offer terms from your document.
Read the guide →
M/I Homes context
Compare the written offer without importing older profile prices.
Read the guide →When you are ready
Discuss the written builder offers
Keep your results. A conversation is optional, and opening the contact page does not share your figures.
Your assumptions
Scenario A
| Input | Value | Source / date |
|---|---|---|
| Builder / offer name | Unknown | Not supplied · Undated |
| Offer date | Unknown | Not supplied · Undated |
| Expiration date | Unknown | Not supplied · Undated |
| Comparison date | Unknown | Not supplied · Undated |
| Lender, lot and closing conditions | Unknown | Not supplied · Undated |
| Base contract price | Unknown | Not supplied · Undated |
| Price reduction | Unknown | Not supplied · Undated |
| Lot premium | Unknown | Not supplied · Undated |
| Upgrades you pay for | Unknown | Not supplied · Undated |
| Down payment | Unknown | Not supplied · Undated |
| Quoted note rate (%) | Unknown | Not supplied · Undated |
| Loan term (months) | Unknown | Not supplied · Undated |
| Comparison horizon (months) | Unknown | Not supplied · Undated |
| Closing fees, including permanent points | Unknown | Not supplied · Undated |
| Deposits already paid | Unknown | Not supplied · Undated |
| Offered restricted credit | Unknown | Not supplied · Undated |
| Credit allocated to eligible fees | Unknown | Not supplied · Undated |
| Stated non-cash upgrade value | Unknown | Not supplied · Undated |
| Temporary subsidy years | 0 | Not supplied · Undated |
