Home calculators · New construction

Builder Incentive Comparison

Which builder offer really costs less.

Price cut, closing credit, rate buydown, upgrades. Line up two or three written offers on the same horizon and see the one that costs less.

Builder Incentive ComparisonLocal knowledge. A clearer decision.

Bring each builder's written offer and the lender terms that go with it.

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Your numbers

Step 1 of 3 · The written offer

The written offer

One copy per builder. Add a scenario for each competing offer.

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Temporary rate buydown

Builder Incentive Comparison

Your results

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Related guides

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How this calculator works

Method

Each offer is costed over the same number of months: cash at closing after credits, then every monthly payment at the note rate, with any temporary buydown lowering payments only for the years it covers. The cheaper offer is the one with the lower total.

Limits

No live incentive data and no lender qualification. Fixed-rate loans and up to three years of temporary buydown are supported. Confirm buydown eligibility and early-payoff treatment with the lender.

Sources