Incentive Stacking Calculator

See how much you can save by combining down payment assistance with builder incentives

Home Details

Enter your target home information

Home PriceDown Payment (%)Standard Interest Rate (%)

Down Payment Assistance

Select a DPA program if eligible

Builder Incentive

Select an active builder incentive

Your Total Savings

Upfront Savings

Monthly Savings

30-Year Savings

Payment Breakdown

Home Price$350,000

Down Payment (3%)$10,500

Effective Down Payment$10,500 (3.0%)

Loan Amount$339,500

Interest Rate6.500%

Monthly Payment Comparison

Without Incentives$2,146/mo

With Incentives$2,146/mo

You save $0/month

Lock in these savings with HGPG

Numbers on a calculator and numbers at the closing table aren't the same. An HGPG agent will validate these against real builder offers in your budget and send you our full new construction buyer's guide.

Note: This calculator provides estimates for educational purposes. Actual savings may vary based on lender requirements, program eligibility, and specific incentive terms. Consult with a mortgage professional for accurate calculations.