Current Builder Incentives in Central Florida (September 2026)

Incentive Market Overview

Builder incentives remain aggressive across Central Florida in late September 2026, weighted heavily toward mortgage rate buydowns, closing-cost credits, and price cuts on quick move-in (spec) inventory. Industry trackers for the Orlando area reported an average closing-cost credit of roughly $22,500 on active inventory homes in Q2 2026, with builder-lender rate buydowns commonly around 5.25 to 5.50 percent on a 30-year fixed versus a higher open-market rate. A September 2, 2026 Stellar MLS analysis counted 1,526 active new-construction listings across Orange, Seminole, Lake, and Volusia counties, with about 40 percent already priced below their original asking price. That same analysis documented permanent rate buydowns on 30-year FHA loans at 4.875 to 4.99 percent, temporary 2/1 buydowns starting at 3.99 percent, and cash credits up to $50,000.

With the 30-year fixed rate near 6.95 percent in mid-September 2026 (up from about 6.76 percent earlier in the month), builders have kept incentives and price cuts at elevated levels. National data for September showed roughly two-thirds of builders offering incentives and about 38 percent cutting home prices. Quick move-in homes carry the most aggressive packages, with many builders offering near-term closes and deeper credits on completed inventory. Builders are competing hard for buyers across Lake Nona, Horizon West, St. Cloud, Sunbridge, Winter Garden, and the I-4 corridor.

Most incentives require using the builder's preferred or in-house lender. This is a meaningful tradeoff: the incentive value is often worth tens of thousands of dollars, but the builder's lender may not offer the most competitive rate. The best approach is to compare a loan estimate from the builder's lender against an outside lender, factoring in the incentive value you would lose by going outside.

What Changed Since the September 14 Edition

This edition was researched on September 21, 2026. Compared with the prior version, the main updates are:

• Pulte Homes launched a new limited-time offer effective September 16 through September 30, 2026 on Classic and Estate Collection to-be-built homes, with closings by December 31, 2026, and a buyer credit through its Affiliate Incentive Program. A parallel "Up to $50,000 of Possibilities" offer applies to select homesites purchased by September 30.
• M/I Homes' limited-time rate is now verified at 5.25 percent (5.31 percent APR) on a 30-year fixed conventional loan, down from the 5.50 percent shown in the prior edition. The 2/1 buydown program remains documented with year-one rates as low as 2.875 percent on select quick move-in homes.
• Toll Brothers' current advertised Orlando program is a 3.99 percent first-year rate (6.04 percent APR) on a 30-year fixed with a 2/1 buydown. The prior edition's $10,000 closing-credit figure was not re-verified; the mid-2026 industry tracker showed credits up to roughly $30,000, which vary by community.
• Meritage Homes' National Sales Event is extended with a fixed rate as low as 3.75 percent (4.734 percent APR) on select Orlando-area quick move-in homes through a rate-lock program with closing-cost assistance, replacing the prior edition's unverified FHA/VA rate package.
• Ashton Woods is newly documented with its Nationwide Savings Event: 4.49 percent (5.02 percent APR) on a 30-year fixed plus up to $10,000 toward closing costs on select quick move-in homes, plus an Orlando buydown special of 5.99 percent (6.8578 percent APR) and community offers at Northlake at Ovation and Montague Chase.
• K. Hovnanian has a new promotion valid on contracts written August 31 through September 30, 2026: a Conventional 7/6 ARM starting at 3.75 percent (5.162 percent APR) on select eligible quick move-in homes closing by October 31, 2026, documented at Vdara. Osprey Ranch in Winter Garden offers reduced pricing from the mid-$500s. The previously documented fly-and-buy travel credit could not be re-verified and is no longer presented as active.
• David Weekley's 50th Anniversary Savings Event continues with starting rates as low as 3.99 percent on select Orlando homes, and its Hometown Heroes offer of $2,000 in Flex Dollars is newly documented. The $45,000 Flex Cash figure at Waterset from the prior edition could not be re-verified and was removed.
• Dream Finders Homes is running its Summer Steals & Deals event with financing offers starting at 3.49 percent (6.281 percent APR) on select move-in-ready homes, plus an award-winning floor plan from $294,989 on select homesites with loans closed on or before September 30, 2026.
• Mattamy Homes is newly documented with a "Buy Now, Move Now" offer at Celebration Island Village (4.99 percent fixed FHA, 5.727 percent APR, via Mattamy Home Funding), a Semi Annual Home Event, and recently reduced pricing with quick move-ins from $379,990 at Meridian Parks in Lake Nona.
• Park Square Homes, Highland Homes, LGI Homes, Holiday Builders, and Maronda Homes are newly documented this run with verified September 2026 programs, detailed below.
• Taylor Morrison re-enters the page with verified community-level pricing at Harvest at Ovation (Winter Garden) and its Westview communities in Kissimmee, though no named September 2026 promotion was verified.
• Drees Homes and Trinity Family Builders could not be verified with current Central Florida promotions on this run, so they have been removed from the active list.
• Sunbridge's master-developer financing special (Metro Development Group) previously required contracts by February 28, 2026; it is no longer presented as active.
• Ryan Homes (NVR), Adams Homes, Tri Pointe, and Century Communities could not be verified as running active Central Florida promotions on this run and remain off the active list.

Important: The offers listed below were verified through publicly available builder promotions and industry sources as of September 21, 2026. Promotions change frequently and many are tied to specific expiring dates. Always confirm current terms with the builder's sales office and review the full fine print before signing.

D.R. Horton

Communities: Active across all five Central Florida counties, including Nona West (Orlando) and Harmony West (St. Cloud).

Any-lender closing credit: At Harmony West in St. Cloud, D.R. Horton documents a "Main Street" program offering up to $1,000 toward closing costs through any lender, so buyers are not required to use DHI Mortgage for this credit. This type of any-lender credit is still the exception; most other offers require using DHI Mortgage, D.R. Horton's affiliated lender.

Rate buydowns: D.R. Horton has leaned heavily on below-market mortgage rates through DHI Mortgage, including a flagship 3.99 percent buydown program, and company commentary has said incentives would remain elevated through 2026. No Orlando-specific September 2026 rate was uniformly published across communities this run, so confirm the current offer at each sales office.

Heroes incentive: Up to $1,000 toward closing costs for military, law enforcement, fire, healthcare, and education professionals, documented through September 30, 2026 at Nona West and Harmony West with closing by October 31, 2026. Time-sensitive: This program was verified in the prior edition and not re-confirmed on this run, so confirm it is still available before relying on it.

Preferred lender required? Yes for special rates and the largest incentive amounts through DHI Mortgage; the Harmony West Main Street credit works with any lender.

Lennar

Communities: Over 30 active communities across Central Florida including Horizon West, Lake Nona, St. Cloud, Clermont, Winter Garden, Davenport (including ChampionsGate), and Lakeland.

Limited-time quick move-in promotion: Lennar is advertising limited-time incentives on select Central Florida quick move-in homes, with low interest rates through Lennar Mortgage plus incentives on select homes. Documented participating communities this run include Wellness Ridge (Clermont), Grandview Townhomes (Davenport), and ChampionsGate Manors and ChampionsGate Estates.

Rate buydowns: Industry trackers for mid-2026 put Lennar's advertised buydown range around 5.25 to 5.50 percent on a 30-year fixed versus a higher open-market rate, with closing-cost credits up to roughly $25,000 on select homes. Lennar did not publish a clean Orlando-specific rate offer for this edition, so treat published per-community terms as the current source.

Everything's Included model: Lennar does not operate a traditional design center. Stainless steel appliances, quartz countertops, smart home technology, blinds, and garage door openers are included in the base price, and this package stacks alongside any rate buydown.

Preferred lender required? Yes, for promotional rates and the largest incentive amounts through Lennar Mortgage.

Pulte Homes and Del Webb

Communities: Active across Orlando including Lake Nona, St. Cloud, Clermont, and Lakeland, with Del Webb active-adult communities including Del Webb Sunbridge and others.

September limited-time offer: Pulte's Central Florida division launched an offer effective September 16 through September 30, 2026 on new purchase agreements for Classic and Estate Collection to-be-built homes, with closings by December 31, 2026. The credit is delivered through the Affiliate Incentive Program and is tied to the negotiated price when financing through Pulte Mortgage. A parallel "Up to $50,000 of Possibilities" offer applies to select homesites purchased by September 30. Time-sensitive: Agreements must be signed by September 30, 2026.

Rate buydowns: Pulte Mortgage commonly quotes rate buydowns around 5.25 to 5.50 percent on a 30-year fixed, versus a higher open-market rate, across many Pulte and Del Webb communities, with closing-cost credits up to roughly $25,000 on select homes per the mid-2026 industry tracker.

Active-adult perks: Del Webb active-adult communities often bundle amenity or lifestyle perks with financing through Pulte Mortgage.

Preferred lender required? Yes, for the largest incentive amounts and promotional rate offers through Pulte Mortgage.

Meritage Homes

Communities: Horizon West, Lake Nona, St. Cloud, Winter Garden, and select Lake County communities.

National Sales Event: Meritage's National Sales Event is extended, advertising a fixed rate as low as 3.75 percent (4.734 percent APR) on select Orlando-area quick move-in homes, delivered through a rate-lock program with closing-cost assistance. A 2/1 buydown is available on select homes. Offers are contingent on using MTH Mortgage.

Energy efficiency value: Meritage's standard energy-efficient features (spray foam insulation, energy-efficient HVAC, Low-E windows, tankless water heaters) represent ongoing savings on utility costs in addition to any purchase incentive.

Preferred lender required? Yes, for the advertised rates and closing-cost offers through MTH Mortgage.

Toll Brothers

Communities: Active in Lake Nona, Sunbridge, and select Orange and Seminole County communities, including the Alora townhome community in the Orlando area.

Promotional rate: Toll Brothers is advertising a 3.99 percent first-year rate (6.04 percent APR) on a 30-year fixed with a 2/1 buydown on Orlando-area homes. Select Florida homes also offer a 3.99 percent first-year rate on a jumbo 5/1 ARM with a 2/1 buydown. Some quick move-in offers in July required closing by August 31, 2026, so confirm the current cutoff at the sales office.

Closing credits: Closing-cost credits and design center allowances vary by community. The mid-2026 industry tracker showed Toll Brothers credits up to roughly $30,000, but no uniform current dollar figure was published across Orlando communities this run.

Quick move-in homes: Move-in-ready inventory carries near-term occupancy timelines. Confirm current pricing and close-by dates with the local sales office.

Preferred lender required? Yes, for the advertised rate offers through Toll Brothers Mortgage (TBI).

KB Home

Communities: About 17 Orlando-area communities, including roughly a dozen in the Clermont area, with a large quick move-in inventory, plus additional communities in the Kissimmee area and Polk County (Lakeland, Davenport).

Built to Order model: KB Home's Built to Order process lets buyers select finishes before construction, which can help control costs compared to paying for post-construction upgrades.

Financing: Below-market rates are commonly offered through KB Home's affiliated lender, KBHS, and quick move-in inventory carries per-home incentives. No Orlando-wide dollar-amount promotion was uniformly published this run, so confirm the current offer at each KB Home studio and sales center, where incentives are community and inventory specific.

Preferred lender required? Yes, for the advertised promotional rate through KBHS.

M/I Homes

Communities: Active across the Orlando metro including Weslyn Park (St. Cloud), Solace at Corner Lake (Orlando), Ravencliffe (Winter Garden), and Hawk's Overlook (Sanford), among others.

Limited-time promotional rate: M/I Homes is advertising a 5.25 percent rate (5.31 percent APR) on a 30-year fixed conventional loan. Time-sensitive: Applies to new contracts written on or after July 31, 2026 and by September 30, 2026, with the buyer applying for the loan within 48 hours of contract and closing by October 30, 2026.

2/1 Buydown rate program: Year-one rates as low as 2.875 percent (about 5.62 percent APR) on a 30-year fixed FHA loan on select quick move-in homes through M/I Financial, with the full note rate applying starting in year three.

Preferred lender required? Yes, for the promotional rates and flex cash through M/I Financial. Flex cash and rate buydowns are subject to seller-contribution caps of roughly 3 to 6 percent.

Ashton Woods

Communities: Horizon West, Winter Garden (including the Ovation area), St. Cloud, and select Lake County communities.

Nationwide Savings Event: Ashton Woods is advertising a 4.49 percent (5.02 percent APR) 30-year fixed rate on select quick move-in homes plus up to $10,000 toward closing costs.

Orlando buydown special: A 5.99 percent (6.8578 percent APR) special applies to select quick move-in homes in the Orlando area.

Community offers: Northlake at Ovation (Winter Garden) advertises a 2/1 buydown to a 3.99 percent year-one rate, with rates from 3.25 percent advertised in some listings. Montague Chase advertises up to $7,500 toward closing costs plus a 4.99 percent first-year rate.

Preferred lender required? Yes, for the advertised rates and closing-cost offers.

David Weekley Homes

Communities: Select Orlando quick move-in homes and communities including Weslyn Park at Sunbridge, Waterset, and the Lake Nona area.

50th Anniversary Savings Event: Runs on select Orlando-area homes with starting mortgage rates as low as 3.99 percent, including a documented starting rate of 3.99 percent at Weslyn Park in Sunbridge. Time-sensitive: Confirm the current event end date at the local studio.

Hometown Heroes: David Weekley's "Honoring Our Hometown Heroes" offer provides $2,000 in Flex Dollars for active medical personnel, firefighters, police, military, and teachers in the Orlando market.

Employee pricing: An Orlando employee-pricing page advertises 10 percent off the base price on select homes; no September 2026 deadline was verified, so confirm current terms.

Preferred lender required? Typically yes for advertised rate offers. Flex Dollars availability varies by community.

Dream Finders Homes

Communities: Active across Central Florida including Hamlin Meadows and Serenade at Ovation (Winter Garden/Avalon area) and multiple other communities.

Summer Steals & Deals event: Dream Finders is advertising savings on select quick move-in homes with financing offers starting at 3.49 percent (6.281 percent APR). Time-sensitive: A featured award-winning floor plan is available from $294,989 on select homesites with loans closed on or before September 30, 2026.

Preferred lender required? Yes, for the advertised starting rates.

K. Hovnanian (Khov)

Communities: Including Osprey Ranch in Winter Garden, Vdara, and other Central Florida communities.

Limited-time rate: Valid on contracts written August 31 through September 30, 2026, a Conventional 7/6 ARM starts at 3.75 percent (5.162 percent APR) on select eligible quick move-in homes closing by October 31, 2026. Documented at Vdara and other communities. Time-sensitive: Contracts must be written by September 30, 2026.

Community pricing: Osprey Ranch in Winter Garden advertises reduced pricing and special financing starting from the mid-$500s. Some Khov communities advertise up to $20,000 in financing incentives.

Preferred lender required? Typically yes for promotional rates and financing incentive amounts.

Mattamy Homes

Communities: Celebration Island Village (Celebration) and Meridian Parks (Lake Nona area), among others.

Celebration Island Village: Mattamy's "Buy Now, Move Now" offer advertises a below-market 4.99 percent fixed FHA rate (5.727 percent APR) on select quick move-in homes financed through Mattamy Home Funding, plus a Semi Annual Home Event with special pricing and financial incentives. Quick move-ins at the community are listed from $499,990, with several move-in-ready homes showing recent price reductions.

Meridian Parks (Lake Nona area): Recently reduced pricing, with quick move-ins from $379,990 including townhome product.

Preferred lender required? Yes, for the advertised rate through Mattamy Home Funding.

Park Square Homes

Communities: New construction communities across the Orlando metro area, including Liberty Station and Tarpon Bay.

Autumn Savings: Park Square's Autumn Savings promotion advertises a 4.99 percent interest rate (5.995 percent APR) on a 30-year fixed loan. Time-sensitive: Contracts by September 30, 2026, with closings by December 23, 2026.

Additional offers: Flex-cash promotions up to $25,000 to $80,000 are advertised at select communities, appliance packages up to $3,900, and a $99-down program is documented at Tarpon Bay.

Preferred lender required? Yes, for the rate incentive through Park Square Home Mortgage.

Highland Homes

Communities: Select Florida communities, including Central Florida locations.

Limited-time offer: Highland Homes is advertising all closing costs paid plus additional incentives, with savings up to $63,000 on select Florida homes. Terms vary by community and inventory, so confirm current details at the sales office.

Preferred lender required? Confirm at the sales office; closing-cost offers typically require the builder's preferred lender relationship.

LGI Homes

Communities: Orlando-area communities including Tula Parc (Astatula, Lake County), Mascotte, and the Kissimmee area.

Make Your Move National Sales Event: LGI Homes is advertising rates as low as 4.99 percent on move-in-ready homes through the event. Time-sensitive: Confirm the current event end date, as terms vary by community.

Preferred lender required? Yes, for the advertised rate through the builder's lending program.

Holiday Builders

Communities: Select move-in-ready homes across Florida, including Polk County communities in the Central Florida footprint.

Special financing: Holiday Builders is advertising a 3.99 percent rate on an FHA 5/1 ARM (7.102 percent APR) on select move-in-ready homes financed through its lender, Coastal Loans. Terms vary by home, so confirm the participating community and inventory at the sales office.

Preferred lender required? Yes, for the advertised rate through Coastal Loans.

Maronda Homes

Communities: New home communities across Florida, including Central Florida.

Rate program: Maronda Homes is advertising a 4.99 percent rate on select homes through a builder-paid forward-commitment rate buydown. Confirm current availability and participating communities at the sales office.

Preferred lender required? Typically yes, for the builder-paid buydown program.

Taylor Morrison

Communities: Active in Horizon West, Winter Garden (including the Ovation area), and Kissimmee, among others.

Community-level pricing: Taylor Morrison is not running a verified builder-wide September 2026 promotion this run, but community-level pricing is documented: Harvest at Ovation (Winter Garden) lists homes from $503,999, and the Westview and Esplanade at Westview communities in Kissimmee show recently reduced pricing. Confirm current incentives at each community sales office.

Preferred lender required? Financing incentives, where offered, typically require the builder's preferred lender relationship.

Community-Specific Spotlight

Sunbridge (St. Cloud, Osceola County)

Multiple builders including Pulte, Del Webb, Toll Brothers, M/I Homes, and David Weekley remain active across the development. David Weekley's Weslyn Park has been documented with a 3.99 percent starting rate within its 50th Anniversary Savings Event. The master developer's own financing special (Metro Development Group) previously required contracts by February 28, 2026 and is no longer presented as active; check the developer's builder incentives page for any new offer before relying on published financing figures.

Lake Nona (Orange County)

One of the heaviest incentive concentrations in the metro, with national builders including Lennar, Pulte, Toll Brothers, and Mattamy competing for buyers. Mattamy's Meridian Parks shows recently reduced pricing with quick move-ins from $379,990. Rate buydowns and closing-cost credits are standard; luxury segments typically see smaller percentage incentives but potentially higher dollar amounts.

Horizon West / Winter Garden (Orange County)

One of the most competitive areas for incentives. Builder incentives were tracked rising from roughly $8,000 to about $15,000 entering 2026, with Pulte, Ashton Woods, Toll Brothers, Lennar, and Taylor Morrison active. Ashton Woods' Northlake at Ovation advertises a 2/1 buydown to a 3.99 percent year-one rate, K. Hovnanian's Osprey Ranch lists pricing from the mid-$500s, and Taylor Morrison's Harvest at Ovation lists homes from $503,999. CDD fees are a factor in several villages.

St. Cloud / Harmony (Osceola County)

D.R. Horton (Harmony West), M/I Homes, Pulte, Lennar, and KB Home are active. D.R. Horton's Harmony West Main Street program offers up to $1,000 toward closing costs through any lender. M/I Homes is active at Weslyn Park with its 5.25 percent limited-time rate and 2/1 buydown program, and Dream Finders' 3.49 percent event covers select move-in-ready homes. Builder financing specials and quick move-in reductions are common across the corridor.

Clermont / Lake County corridor

Lennar (including Wellness Ridge), Meritage, KB Home (roughly a dozen Clermont communities), Park Square, and others are active across the Clermont, Groveland, and Mount Dora corridor. Highland Homes advertises savings up to $63,000 on select Florida homes, and LGI Homes markets Tula Parc in Astatula and Mascotte. Specific per-home offers vary by community and inventory, so confirm current terms at each sales office.

Davenport / ChampionsGate (Osceola / Polk)

Lennar, KB Home, D.R. Horton, and others are active across the Davenport and ChampionsGate corridor. Lennar's limited-time quick move-in promotion includes Grandview Townhomes in Davenport (recently reduced) and ChampionsGate Manors and ChampionsGate Estates. Builder financing specials and closing-cost credits are common when using the builder's preferred lender; verify each community's offer directly.

Celebration (Osceola County)

Mattamy Homes is the active builder with the most documented promotion at Celebration Island Village: a 4.99 percent fixed FHA rate (5.727 percent APR) on select quick move-in homes via Mattamy Home Funding, plus a Semi Annual Home Event with special pricing. Quick move-ins at the community are listed from $499,990, with several specs showing recent reductions. Check current offers at the community sales office before relying on published numbers.

How Incentives Work With Financing

Builder incentives are structured as seller credits, which are handled through the closing process. Here is how they work with your mortgage:

• The lender must be told about all incentives. They affect the net price of the home and may require adjustments to the loan amount.
• Closing cost credits are applied at closing through the settlement statement.
• Rate buydowns are paid to the lender as prepaid mortgage interest.
• Design center credits are typically applied when you order your upgrades and are included in the final purchase agreement.
• There are limits on how much the builder can contribute based on your loan type. Conventional loans typically allow up to 3 percent of the purchase price in seller credits. FHA loans allow up to 6 percent.

Work with your lender early in the process to understand how the incentive structure affects your loan approval and closing costs.

Builder Lender vs Outside Lender Tradeoffs

Builders strongly prefer that you use their preferred or in-house lender. This is because they control the process more tightly and can offer incentives that are tied to using their lender.

Using the builder's lender:

• You typically qualify for the full incentive package, including rate buydowns and closing cost credits.
• The process is more streamlined because the lender and builder are already connected.
• The lender is familiar with the builder's construction timeline and can manage rate locks accordingly.
• Rates and fees may not be as competitive as what you can find from an outside lender.
• You may be able to negotiate with the builder to keep the incentives while using an outside lender, but this is not guaranteed.

Using an outside lender:

• You can shop for the best rate and lowest fees.
• You may lose some or all of the builder's incentive package.
• In some cases, the builder may require the outside lender to sign a cooperation agreement.

The best approach is to get a loan estimate from both the builder's lender and an outside lender. Compare the total cost including rates, fees, and lost incentives. Sometimes the builder's lender is the better deal because of the incentive value. Other times, an outside lender with a lower rate saves you more money.

How to Negotiate Beyond the Published Incentive

The published incentive is not the final offer. Here is how to negotiate for more:

• Ask for a different incentive type. If the builder offers a rate buydown but you would prefer closing cost credits, ask if they can restructure the package.
• Combine incentives. Some builders will offer both a rate buydown and design center credits if you ask.
• Use competition. If another builder in the same community offers a better package, tell the builder. They may match or beat it.
• Timing matters. End of month, end of quarter, and end of year are typically when builders are most flexible on incentives.
• Inventory homes. Quick move-in homes almost always have more room for negotiation because the builder wants to close them quickly.
• Work with your agent. Your agent can handle the negotiation and knows what is realistic in the current market.
• Get it in writing. All incentive promises should be included in the purchase agreement, not just communicated verbally.

To track incentives and pricing across the builders you are considering, the free Central Florida New Construction & Builder Secrets Guide includes a 31-page guide and a comparison workbook in Excel and Google Sheets designed for exactly this kind of side-by-side research.

Frequently Asked Questions About Builder Incentives

What kinds of incentives do builders offer in Central Florida?

Common incentives include closing cost assistance, rate buydowns, design center credits, and free upgrades. The mix varies by builder, community, and market conditions, and incentive amounts change frequently. As of late September 2026, many builders are advertising rate buydowns and closing-cost credits as the standard package, with permanent FHA buydowns in the 4.875 to 4.99 percent range and temporary 2/1 buydowns starting near 3.99 percent documented across the market.

Do I have to use the builder's lender to qualify for incentives?

Most builders tie their full incentive package to using their preferred or in-house lender. Exceptions exist, such as D.R. Horton's Harmony West Main Street credit of up to $1,000 through any lender, but they are rare. You may be able to negotiate keeping some incentives with an outside lender, but this is not guaranteed. Compare a loan estimate from both before deciding.

How are builder incentives applied?

Incentives are structured as seller credits handled through closing. Closing cost credits appear on the settlement statement, rate buydowns are paid as prepaid mortgage interest, and design center credits are applied when you order upgrades. Loan-type limits apply, such as roughly 3 percent of the purchase price for conventional loans and up to 6 percent for FHA loans.

Can I negotiate beyond the published incentive?

Yes. Ask for a different incentive type, combine incentives, use competing offers, time your purchase around end of month, quarter, or year, and negotiate more on inventory homes. Work with your agent and get every promise in writing.

Which builders are offering incentives right now?

Most national builders active in Central Florida are offering some combination of rate buydowns, closing cost credits, and design center allowances. As of this edition, documented programs include D.R. Horton, Lennar, Pulte/Del Webb, Meritage, Toll Brothers, KB Home, M/I Homes, Ashton Woods, David Weekley, Dream Finders, K. Hovnanian, Mattamy, Park Square, Highland Homes, LGI Homes, Holiday Builders, and Maronda Homes. Offers change frequently and vary by community, so verify current terms with each builder's sales office.