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

Interactive tool · Estimate

Builder Incentive Calculator

Compare two new-construction offers on the two numbers that matter most: upfront cash needed at closing, and estimated monthly payment over the life of the loan. Enter each builder's price reduction, closing-cost assistance, and rate-buydown assumption, and this tool shows the difference, clearly labeled as an estimate.

By Theresa De La Rosa, Broker Last reviewed October 20, 2026 Estimates, not offers
A North Texas builder incentives overview graphic beside the incentive calculator

Shared assumptions

These apply to both offers. Everything is user-entered: a blank field is treated as zero, so enter a real rate and term to see principal and interest.

Offer A

A

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

Estimated · Offer A

Effective price after reduction $0
Buydown points (one-time) $0
Closing-cost assistance $0
Estimated upfront cash needed $0
Estimated monthly payment $0

Enter each builder's figures above to update this estimate.

Offer B

B

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

Estimated · Offer B

Effective price after reduction $0
Buydown points (one-time) $0
Closing-cost assistance $0
Estimated upfront cash needed $0
Estimated monthly payment $0

Enter each builder's figures above to update this estimate.

The difference between offers

Upfront cash needed

$0

Offer A minus Offer B. A negative number means Offer A needs less cash at closing; positive means Offer A needs more.

Estimated monthly payment

$0

Offer A minus Offer B. A negative number means Offer A costs less per month; positive means Offer A costs more.

Upfront cash is the portion of the effective price you pay from your own funds (effective price minus loan), plus buydown points, less closing-cost assistance, floored at zero. If assistance exceeds your cash-to-close, confirm with the builder in writing how the surplus is handled. Monthly uses standard amortization on the loan at the resulting rate you entered, plus your shared tax, insurance, and HOA assumptions divided across the year.

Read before you negotiate

The chapters behind the incentives

Guide chapter 3

Builder incentives and rate buydowns How closing-cost assistance, financing incentives, and 2-1 buydowns are structured, and why current offers must be verified in writing. Read the chapter

Guide chapter 22

The true cost of a new construction home Price versus total monthly obligation, incentive fine print, and the ownership-cost items that never appear on the price sheet. Read the chapter

Incentive offers are builder-specific and time-limited, and a buydown is only worth it if you hold the loan long enough to earn the points back. When you are weighing two actual offers, book a consultation with Theresa De La Rosa, Broker at Covenant Heritage Realty, LLC, and run the comparison together before you sign. Updated October 20, 2026.