Compare Builder Offers
Side-by-side comparison of price, incentives, upgrades, closing costs and estimated cash requirements.
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Four tools · Your numbers, your assumptions
Buyer Tools
Run the numbers on a new build before you sign: compare two builder offers, estimate a monthly payment, weigh incentives, and total the costs the price sheet misses.
By Theresa De La Rosa, Broker
Estimates, not quotes
Last reviewed October 20, 2026
What would you like to run?
Four tools for the numbers
Every result is clearly labeled an estimate. Nothing here is pre-filled with a mortgage rate, tax rate, or builder incentive: you enter the assumptions, and the tool does the arithmetic transparently.
Payment Calculator
Estimate monthly payments including principal, interest, taxes, insurance, HOA, assessments and mortgage insurance.
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Builder Incentive Calculator
Compare price reductions, closing-cost assistance and rate buydowns on your upfront and long-term cost.
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Cost Checklist
An interactive checklist of lot premium, upgrades, inspections, appliances, landscaping, moving and other expenses.
Use this toolThese tools are planning aids, not a loan quote, not tax advice, and not an offer. Confirm every figure with your lender, insurance carrier, taxing authority, and the builder in writing.
Before you run the numbers
Read the chapter that matches
The tools are faster when you know what counts. These chapters explain the numbers behind each estimate.
Guide chapter
Builder incentives and rate buydowns How incentive stacks, closing-cost assistance, and 2-1 buydowns actually work in the 2026 market. Read the chapterGuide chapter
The true cost of a new build Price versus total monthly obligation, MUD and PID districts, HAIL and wind insurance, and the costs a price sheet misses. Read the chapterGuide chapter
The 60-90 day pre-move timeline The week-by-week plan that lines up financing, inspections, closing, and the moving truck. Read the chapterTalk to a local broker
Not sure which tool to start with?
Tell Theresa what you are comparing, and she will point you to the right tool and the chapter behind it. No spam, no list rental, just a broker's answer.
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