Builder Financing Comparison

Builder Incentive & Mortgage Comparison

Builders may offer a discounted rate, closing-cost help, or other incentives when you use a preferred lender — but the best advertised rate isn't always the best financing offer. Compare up to three offers on rate, points, incentives, cash to close, and cumulative financing cost over the time you expect to own the home.

Interactive Estimator

Builder Incentive & Mortgage Comparison

Estimates based on the values you enter. Nothing is sent or stored. No account or email required.

Shared purchase assumptions

The same price and down payment feed every offer by default, so the comparison is about financing — not about different homes. Allow an offer-specific price reduction only when an incentive actually changes the contracted price.

Estimated purchase price

Used as the base for every offer unless an offer applies a price reduction.Down payment (%)

Synchronized with the dollar field below.Down payment ($)

Enter a dollar amount to switch to dollars.Estimated closing dateExpected years before selling / refinancingThe horizon drives the cumulative financing-cost comparison.

Offer A — Builder-preferred lender

A single financing offer. Note rate drives the amortization; APR is disclosed for comparison and is never used to compute the payment.

Include this offer in the comparison

Offer / lender labelLoan typeARM, construction, and interest-only structures are recorded, not modeled with fixed-rate lifetime assumptions.Loan amount (if different)

Leave blank to derive from price − down payment.Note interest rate (%)

The rate that amortizes the loan.APR (if disclosed)

Lender-disclosed comparison metric — never used to compute the payment.Loan term (years)

Rate-lock expiration

Upfront lender charges

Origination charges

Discount points (%)

Dollar cost = points % × loan amount. Enter either % or $ — not both.Discount points ($)

If entered, overrides the % calculation.Underwriting / processing

Other lender charges

Other closing expenses

Appraisal

Title & settlement

Recording / government

Prepaid interest

Initial escrow funding

Other closing expenses

Incentives & credits

Each incentive offsets only its eligible bucket. A closing-cost contribution never reduces the price; a price reduction changes the loan amount, not cash to close; a buydown is payment assistance, not a cash saving.

Builder closing-cost contribution

Offsets eligible closing costs only — capped, never cash back.Lender credit

Offsets remaining closing costs only.Purchase-price reduction

Reduces the contract price (and loan amount), not cash to close.Point contribution (builder/lender)

Offsets discount points only.Rate buydownA permanent buydown is a lower note rate; a 2-1 buydown is temporary payment assistance.Buydown advertised value

Recorded for comparison — not subtracted from the price or cash to close.Other incentive descriptionOther incentive amount

Other incentive applies toAn unclassified incentive stays informational and does not change any total.

Conditional requirements

Preferred lender required?Preferred title company required?Incentive expirationMinimum financing requirementsOther conditions

Recurring monthly costs (cash-outflow view)

Property taxes

Annual amount — converted to monthly.Taxes entry modeHomeowners insurance (monthly)

Mortgage insurance (monthly, if known)

HOA dues (monthly)

Deposits already paid

What should you confirm? (Verified / Needs review / Not yet provided)

Official Loan Estimate received

Note interest rate verified

APR verified

Loan amount verified

Loan term verified

Discount points verified

Origination charges verified

Builder incentive eligibility confirmed

Preferred-lender requirement confirmed

Closing-cost credits verified

Rate-lock expiration verified

Temporary buydown terms verified

Mortgage insurance verified

Cash-to-close estimate verified

Offer notes (optional)

Offer B — Outside lender

A single financing offer. Note rate drives the amortization; APR is disclosed for comparison and is never used to compute the payment.

Include this offer in the comparison

Offer / lender labelLoan typeARM, construction, and interest-only structures are recorded, not modeled with fixed-rate lifetime assumptions.Loan amount (if different)

Leave blank to derive from price − down payment.Note interest rate (%)

The rate that amortizes the loan.APR (if disclosed)

Lender-disclosed comparison metric — never used to compute the payment.Loan term (years)

Rate-lock expiration

Upfront lender charges

Origination charges

Discount points (%)

Dollar cost = points % × loan amount. Enter either % or $ — not both.Discount points ($)

If entered, overrides the % calculation.Underwriting / processing

Other lender charges

Other closing expenses

Appraisal

Title & settlement

Recording / government

Prepaid interest

Initial escrow funding

Other closing expenses

Incentives & credits

Builder closing-cost contribution

Offsets eligible closing costs only — capped, never cash back.Lender credit

Offsets remaining closing costs only.Purchase-price reduction

Reduces the contract price (and loan amount), not cash to close.Point contribution (builder/lender)

Offsets discount points only.Rate buydownA permanent buydown is a lower note rate; a 2-1 buydown is temporary payment assistance.Buydown advertised value

Recorded for comparison — not subtracted from the price or cash to close.Other incentive descriptionOther incentive amount

Other incentive applies toAn unclassified incentive stays informational and does not change any total.

Conditional requirements

Preferred lender required?Preferred title company required?Incentive expirationMinimum financing requirementsOther conditions

Recurring monthly costs (cash-outflow view)

Property taxes

Annual amount — converted to monthly.Taxes entry modeHomeowners insurance (monthly)

Mortgage insurance (monthly, if known)

HOA dues (monthly)

Deposits already paid

What should you confirm? (Verified / Needs review / Not yet provided)

Official Loan Estimate received

Note interest rate verified

APR verified

Loan amount verified

Loan term verified

Discount points verified

Origination charges verified

Builder incentive eligibility confirmed

Preferred-lender requirement confirmed

Closing-cost credits verified

Rate-lock expiration verified

Temporary buydown terms verified

Mortgage insurance verified

Cash-to-close estimate verified

Offer notes (optional)

Offer C — Another financing option

A single financing offer. Note rate drives the amortization; APR is disclosed for comparison and is never used to compute the payment.

Include this offer in the comparison

Offer / lender labelLoan typeARM, construction, and interest-only structures are recorded, not modeled with fixed-rate lifetime assumptions.Loan amount (if different)

Leave blank to derive from price − down payment.Note interest rate (%)

The rate that amortizes the loan.APR (if disclosed)

Lender-disclosed comparison metric — never used to compute the payment.Loan term (years)

Rate-lock expiration

Upfront lender charges

Origination charges

Discount points (%)

Dollar cost = points % × loan amount. Enter either % or $ — not both.Discount points ($)

If entered, overrides the % calculation.Underwriting / processing

Other lender charges

Other closing expenses

Appraisal

Title & settlement

Recording / government

Prepaid interest

Initial escrow funding

Other closing expenses

Incentives & credits

Builder closing-cost contribution

Offsets eligible closing costs only — capped, never cash back.Lender credit

Offsets remaining closing costs only.Purchase-price reduction

Reduces the contract price (and loan amount), not cash to close.Point contribution (builder/lender)

Offsets discount points only.Rate buydownA permanent buydown is a lower note rate; a 2-1 buydown is temporary payment assistance.Buydown advertised value

Recorded for comparison — not subtracted from the price or cash to close.Other incentive descriptionOther incentive amount

Other incentive applies toAn unclassified incentive stays informational and does not change any total.

Conditional requirements

Preferred lender required?Preferred title company required?Incentive expirationMinimum financing requirementsOther conditions

Recurring monthly costs (cash-outflow view)

Property taxes

Annual amount — converted to monthly.Taxes entry modeHomeowners insurance (monthly)

Mortgage insurance (monthly, if known)

HOA dues (monthly)

Deposits already paid

What should you confirm? (Verified / Needs review / Not yet provided)

Official Loan Estimate received

Note interest rate verified

APR verified

Loan amount verified

Loan term verified

Discount points verified

Origination charges verified

Builder incentive eligibility confirmed

Preferred-lender requirement confirmed

Closing-cost credits verified

Rate-lock expiration verified

Temporary buydown terms verified

Mortgage insurance verified

Cash-to-close estimate verified

Offer notes (optional)

Questions for lenders

Add your own. These are included in the printed comparison.

Personal notes

Any context to carry into the printed comparison.

Notes (optional)

Your financing comparison

Enter a purchase price and at least one offer's note rate to begin. Monthly payments, cash to close, and the cumulative financing-cost comparison over your selected horizon will appear here as you add values.

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