Add every layer required to occupy the home.
Advertised Price Is Not Finished Cost
The advertised price may not equal the amount required to complete and occupy a Lake Havasu new home. Add the lot, site work, structural and finish choices, allowances, garage or pool work, exterior completion, financing terms, closing costs and post-closing additions before comparing properties or incentives.
Check Every Cost CategoryThe complete property stack
Price The Same Finish Line
Compare properties at the point where each is complete enough for the way you intend to own and use it.
Base Home
The plan and standard specification identified in the written offer.
Lot Or Lot Premium
The parcel cost, premium and any lot-specific plan requirement.
Site Work
Utilities, grading, drainage, retaining, excavation and access work.
Structural Choices
Garage configuration, room changes, doors, windows and major systems.
Finish Choices
Cabinetry, surfaces, flooring, fixtures, appliances and package upgrades.
Allowances
Budget placeholders whose final selections can create overages or credits.
Pool And Outdoor Work
Pool, shade, patios, walls, gates, equipment and usable surfaces.
Exterior Completion
Landscaping, irrigation, window coverings and other occupancy needs.
Financing And Closing
Rate, points, lender fees, title, escrow, insurance and prepaid items.
Post-Closing Work
Items the buyer accepts responsibility to complete after ownership begins.
Affiliated or independent loan
Compare The Entire Incentive
A credit is one line. Compare the rate, points, fees, lock, extension, appraisal treatment and cash to close with the same assumptions.
| Loan Field | Builder-Affiliated Option | Independent Alternative |
|---|---|---|
| Interest Rate | Note rate and whether it is locked | Note rate and whether it is locked |
| Points | Discount or origination points charged | Discount or origination points charged |
| Lender Fees | Underwriting, processing and other lender charges | Underwriting, processing and other lender charges |
| Credit | Builder or lender credit and eligible uses | Any lender credit and eligible uses |
| Lock Period | Days covered and expected construction timing | Days covered and expected construction timing |
| Extension | Cost and responsibility if closing moves | Cost and responsibility if closing moves |
| Appraisal | Treatment of upgrades and a low appraisal | Treatment of upgrades and a low appraisal |
| Cash To Close | Total cash after credit, deposits and selections | Total cash after credit, deposits and selections |
Appraisal and timing
Know Who Carries Each Timing Risk
Low Appraisal
Review contract treatment, buyer cash obligations, financing deadlines and any effect on deposits or cancellation.
Rate-Lock Expiration
Compare the build schedule with the lock period, extension cost and the party responsible when closing moves.
Incentive Conditions
Identify the required lender, title provider, deadlines, loan type and eligible uses for every advertised credit.
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