08/27/2026
💰 The builder gives you a $10,000 incentive. What should you do with it?
Most buyers immediately think: “Take $10,000 off the price!”
But that may NOT be the option that benefits you the most.
Let’s use a $300,000 home as an example:
🏡 OPTION A: Reduce the purchase price
Take the home from $300K to $290K. In our example, that’s only about $62/month in estimated principal & interest savings.
📉 OPTION B: Buy down the interest rate
Using an illustrative rate-buydown scenario, that same $10K could potentially have a much larger impact on your monthly mortgage payment.
💰 OPTION C: Apply it toward eligible closing costs
If closing costs are approximately 3% on our $300K example, that’s around $9,000 that could potentially stay in your bank account instead of coming out of pocket at closing.
Same $10,000.
But THREE very different ways it could benefit a homebuyer.
And that’s why I don’t just want to know how much of an incentive you’re getting.
I want to know:
How can we make that money work hardest for YOU? 🔑
Are you prioritizing a lower purchase price, a lower monthly payment, or keeping more cash in your pocket?
👇🏾 Which option would YOU choose: A, B or C?
Examples are for educational/illustrative purposes only. Actual mortgage payments, discount-point pricing, closing costs, eligible concessions, rates and loan terms vary. Consult your lender for your specific financing options.
