Center
Incentive Center
Every active incentive — rate buydowns, closing-cost credits, design-center credits, quick-move-in reductions, and builder/community offers — with an AI matching tool to find the stack that fits you.
Rate Buydown
Temporary rate reductions that lower your early payments.
Closing Cost Credit
Cash applied to closing costs, reducing cash needed at the table.
Design Center Credit
Spend on finishes and upgrades in the design center.
Quick-Move-In
Price reductions and bonuses on completed inventory.
Builder
Builder-funded offers like HOA paid or allowances.
Community
Developer offers like CDD paid in full.
2-1 Rate Buydown
Lowers your interest rate by 2% in year one and 1% in year two, easing your transition into the new payment.
Applies to
Lennar · Seaire & Prosperity Lakes
$15K Closing Cost Credit
Applied directly to closing costs, reducing cash needed at the table.
Applies to
D.R. Horton · Legacy Preserve
$25K Design Center Credit
Spend on finishes, cabinetry, flooring, and upgrades in the design center.
Applies to
Taylor Morrison · Firethorn
Move-In Ready Price Reduction
Negotiated reductions on completed inventory to clear the books.
Applies to
All QMI inventory across Parrish
HOA Dues Paid 12 Months
Builder covers 12 months of HOA dues, lowering your carrying cost in year one.
Applies to
Taylor Morrison · Firethorn
CDD Paid in Full
Community development district assessment paid by the developer at closing.
Applies to
Legacy Preserve, Oakfield Lakes & Silverleaf
3-2-1 Rate Buydown
The most aggressive temporary buydown — biggest savings in year one, tapering over three years.
Applies to
Lennar · Prosperity Lakes
Smart-Home Package Included
Smart thermostat, locks, lighting, and security pre-wired and installed.
Applies to
D.R. Horton · Legacy Preserve
$30K Design Studio Allowance
Homes by WestBay's build-to-order allowance for bespoke tile, cabinetry, and elevation upgrades.
Applies to
Homes by WestBay · North River Ranch
Active-Adult Lifestyle Package
Resort clubhouse membership, golf cart credit, and outdoor living upgrades for 55+ buyers.
Applies to
Del Webb at BayView & Woodland Preserve
Payment Calculator
Personalized mortgage calculator
Estimate your monthly payment and see how a 1-0, 2-1, or 3-2-1 rate buydown lowers your year-one payment and total savings across the incentive window.
Your monthly payment
Principal & interest · $427,500 loan
Monthly savings (Yr 1)
$543
Total savings (2 yrs)
$9,848
Estimate only — principal & interest, excluding taxes, insurance, HOA, and CDD. Buydown savings assume the rate returns to 6.75% after the incentive window. Your matched builder can confirm lender costs at contract.
True Cost
True cost of ownership
Mortgage is only the start. Add Florida property tax (with homestead / Save Our Home), wind + flood insurance, HOA, and CDD to see your real all-in monthly cost — the number relocating buyers most often underestimate.
True monthly cost of ownership
Mortgage + taxes + insurance + HOA + CDD
Annual property tax
$3,528
Annual insurance
$7,600
Annual HOA + CDD
$5,840
Year-1 all-in cost
$50,241
Florida insurance is the cost relocating buyers most often underestimate. Wind/named-peril coverage on a new concrete-block home runs roughly 1.6% of value; a flood policy adds ~$1,400/yr if you're in a flood zone. Homesteading caps assessment increases at 3%/yr (Save Our Home) and trims taxable value. Verify the exact figures with your builder's lender and an insurance quote before contract.
Closing Costs
Closing cost & down payment estimator
Florida-specific closing costs — doc stamps, intangible tax, promulgated title insurance, and prepaids — plus down payment scenarios for Conventional, FHA, and VA loans. Factor in builder closing-cost credits to see your true cash to close.
Cash to close
Down payment + FL closing costs + prepaids
Down payment
$47,500
Cash to close
$61,631
Florida-specific estimates: doc stamps ($0.70/$100 of price), intangible tax (0.2% of loan), promulgated title rates, and escrow prepaids. FHA adds 1.75% upfront MIP; VA adds a funding fee (waivable for service-connected disability). Builder closing-cost credits and rate-buydown incentives can offset thousands — confirm exact figures with your builder's lender and title company before contract.
AI Matching Tool
Find your incentive stack
Tell us your budget, persona, timeline, and incentive priority — we'll rank incentives by fit and show which ones stack for your situation.
Incentive Matching
Ranked to your profile
Your AI matches will appear here
Answer a few questions to get personalized, ranked recommendations.
Frequently asked questions
Ready to stack your savings?
Bring your matched incentives to a builder meeting — we'll help you confirm what stacks at contract.