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In DFW Living Group, Covenant Heritage Realty New Build North Texas North Texas new construction guide

Interactive tool · Offer worksheet

Compare Two New Construction Offers

This worksheet puts two builder offers side by side, 11 inputs per offer, and estimates a monthly payment plus your annual ownership cost inputs for each. It is a planning worksheet for comparing offers, not a loan quote, not an actual builder offer, and not tax or legal advice. Every rate, tax figure, and fee is yours to enter; nothing is pre-filled with a market default.

By Theresa De La Rosa, Broker Last reviewed October 20, 2026 Estimates only

Have two real offers in writing? Book a consultation and Theresa will walk the comparison with you.

A North Texas new-construction home lit up at dusk

The worksheet

Put the two offers beside each other

Put two builder offers side by side, and this worksheet estimates a monthly payment and your annual ownership cost inputs for each. It is a planning worksheet, not a quote.

Offer A

A

Enter what the builder has put in writing, or your best estimate of the offer.

Illustrative estimate

Estimated monthly payment $0

Principal & interest plus monthly property taxes, insurance, HOA, and MUD/PID.

Principal & interest $0
Property taxes $0
Insurance $0
HOA fees $0
MUD / PID charges $0
Effective price after incentive $0
Lender fees (at closing) $0
Closing-cost contribution $0
Total estimated annual ownership cost inputs $0

Offer B

B

Enter what the builder has put in writing, or your best estimate of the offer.

Illustrative estimate

Estimated monthly payment $0

Principal & interest plus monthly property taxes, insurance, HOA, and MUD/PID.

Principal & interest $0
Property taxes $0
Insurance $0
HOA fees $0
MUD / PID charges $0
Effective price after incentive $0
Lender fees (at closing) $0
Closing-cost contribution $0
Total estimated annual ownership cost inputs $0
Want help comparing your actual offers?

ILLUSTRATIVE ESTIMATES. These figures are a worksheet for comparing offers, not a loan quote, not an actual builder offer, and not tax or legal advice. Incentives vary by contract and must be confirmed with the builder in writing. Incompatible offers should not be combined, so keep each offer's terms, incentives, and financing together. No deduction or tax savings is claimed or implied. Confirm current rates, fees, taxes, insurance, and district charges with your lender, insurance carrier, and taxing authority.

Read before you compare

The chapters behind the numbers

Guide chapter 22

The true cost of a new construction home Price versus total monthly obligation, MUD and PID districts, insurance, HOA fees, incentive fine print, and the relocation costs a price sheet misses. Read the chapter

Guide chapter 3

Builder incentives and rate buydowns How the reported incentive ranges, closing-cost assistance, and 2-1 buydowns work, and why every offer must be verified in writing. Read the chapter

Incentive stacks and financing terms are builder-specific and time-limited. When you have real offers from two builders, book a consultation with Theresa De La Rosa, Broker at Covenant Heritage Realty, LLC, and she will help you read the comparison correctly before you sign. Updated October 20, 2026.