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Most buyers assume resale is cheaper. But builder incentives are quietly changing the math — even at the same price point. Let’s use a $400,000 example: FHA 3.5% down: $14,000 Estimated closing costs (~3%): ~$12,000 If both resale and new construction offer 3% concessions, most closing costs can be offset. So the entry cost is similar. Now look at the payment 👇 Loan amount ≈ $386,000 New Build @ 4.99% Principal & Interest ≈ $2,070/month Resale @ 6.50% FHA example Principal & Interest ≈ $2,440/m
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Most buyers assume resale is cheaper. But builder incentives are quietly changing the math — even at the same price point. Let’s use a $400,000 example: FHA 3.5% down: $14,000 Estimated closing costs (~3%): ~$12,000 If both resale and new construction offer 3% concessions, most closing costs can be offset. So the entry cost is similar. Now look at the payment 👇 Loan amount ≈ $386,000 New Build @ 4.99% Principal & Interest ≈ $2,070/month Resale @ 6.50% FHA example Principal & Interest ≈ $2,440/m
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