Meritage Homes
$100,000
Home prices slashed up to $100,000
Charlotte • Fort Mill • Indian Land • Waxhaw • Lancaster
Charlotte builders are offering up to $100,000 off right now.
19 builders. 173 active offers. Verified this week.
Last verified: September 17, 2026
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The math behind the claim
Same monthly payment. Brand-new home.
A builder rate buydown can put a new build within reach of a resale payment. Pick the structure and make the numbers yours.
Temporary: a lower payment the first two years, then it settles at your locked rate. The builder credit pays for it.
Resale
$2,424
/mo
P&I at 6.59%
New build · yr 1
$1,946
/mo
P&I at 4.59%
The new build is $479/mo lower in year one
How the new-build payment steps up
Year 1 (4.59%)$1,946/mo
Year 2 (5.59%)$2,179/mo
Years 3–30 (6.59%)$2,424/mo
From year 3 on, the payment is the same as the resale. The builder credit makes the first two years cheaper while you settle in.
This 2-1 buydown costs $8,687. The builder's $10,000 credit covers it in full, with $1,313 left toward closing costs.
Make it your numbers
$475,000
20% · $95,000
Loan amount: $380,000
Your real rate. The 2-1 only lowers the first two years.
Buydown
2-1
Yr 1 is 2% lower, yr 2 is 1% lower.
Funds the 2-1 buydown above. Any remainder goes to closing.
Estimates only, not a loan offer or commitment. Figures show principal and interest at the rates above. Taxes, insurance, HOA dues, and PMI are excluded on both sides. A 2-1 buydown lowers the payment for the first two years only; from year three on it equals the full-rate payment. The buydown cost shown is the total subsidy for those two years. Actual payments vary by lender, loan program, and qualification. Rate assumptions as of May 29, 2026.
We will run a true side-by-side on an actual home and current builder offer. No cost, no obligation.
Lennar
$88,950
Price reduced from $587,299 to $498,349 on Homesite 151, Harper II plan
DR Horton
$78,990
$78,990 price reduction on 8049 Kennesaw Drive, Gastonia, NC (was $423,990, now $345,000)
Lennar
$70,950
Price reduced from $587,299 to $516,349 on Homesite 146, Harper II plan
Taylor Morrison
$61,360
Save $61,360 on Avon home at Terraces at the Exchange, 5549 Wolfpack Alley, Indian Land, SC
Taylor Morrison
$58,210
Save $58,210 on Malta at Esplanade at Northgate
Taylor Morrison
$55,760
$55,760 price reduction on Avon model at Terraces at the Exchange, 5549 Wolfpack Alley
Taylor Morrison
$54,855
$54,855 price reduction on Breckenridge II at Senata at Research Park, 1804 Alexander Village Main Drive, Charlotte, NC
Taylor Morrison
$53,630
Save $53,630 on Aspen at Terraces at the Exchange, 7306 Wake Way
Taylor Morrison
$51,210
$51,210 price reduction on Bali at Esplanade at Northgate, 106 Northgate Boulevard, Indian Trail, NC
Taylor Morrison
$50,980
$50,980 price reduction on Avon model at Terraces at the Exchange, 5561 Wolfpack Alley
Lennar
$50,700
Price reduced from $545,739 to $495,039 on Homesite 62, Beacon II plan
True Homes
$50,000
EWH766 reduced to $929,900 (down $50K)
Pulte Homes
$50,000
Up to $50,000 price reduction on select Quick Move-In Homes
Taylor Morrison
$47,550
Save $47,550 on Aspen home at Ridge at Sugar Creek, 8687 Miles Gap Road, Indian Land, SC
Taylor Morrison
$46,460
Save $46,460 on Aspen at Terraces at the Exchange, 7310 Wake Way
DR Horton
$46,000
Price reduced as much as $46k on closeout homes
Taylor Morrison
$45,680
$45,680 price reduction on Aspen model at Terraces at the Exchange, 7308 Wake Way
True Homes
$45,000
EWCG136 reduced to $354,900 (down $45K)
DRB
$45,000
Up to $45,000 in flex cash toward closing costs, move in package & financing options on Quick Move-In homes
Taylor Morrison
$43,280
Save $43,280 on 3BR/2.5BA Aspen home at Ridge at Sugar Creek
Taylor Morrison
$42,575
Save $42,575 on Breckenridge II model at Indian Trail Townhomes
Taylor Morrison
$42,390
Save $42,390 on Aspen home at Ridge at Sugar Creek, 8685 Miles Gap Road, Indian Land, SC
Taylor Morrison
$42,350
Save $42,350 on Pembrooke model at River Falls
Taylor Morrison
$41,830
$41,830 price reduction on Avon model at Terraces at the Exchange, 7304 Wake Way
DR Horton
$40,990
$40,990 price reduction on 4218 Steel Way, Sherrills Ford, NC (was $359,990, now $319,000)
True Homes
$40,000
EWCG106 reduced to $329,900 (down $40K)
KB Home
$40,000
Save up to $40,000 on Energy Star Certified Homes up to 3,147 sq ft in Sheffield community
Taylor Morrison
$38,550
Save $38,550 on 3BR/2.5BA Aspen home at Ridge at Sugar Creek
Taylor Morrison
$38,280
Save $38,280 on Aspen home at Ridge at Sugar Creek, 8673 Miles Gap Road, Indian Land, SC
Taylor Morrison
$37,610
Save $37,610 on Elizabeth model at River Falls
Taylor Morrison
$37,560
Save $37,560 on Breckenridge II model at Senata at Research Park
Taylor Morrison
$35,760
Save $35,760 on Avon model at Terraces at the Exchange
Taylor Morrison
$35,540
Save $35,540 on Carlyle model at Estates at Sugar Creek
DRB
$35,000
Half off up to $70,000 at Design Studio for To-Be-Built homes
Taylor Morrison
$34,170
Save $34,170 on Breckenridge II model at Indian Trail Townhomes
Taylor Morrison
$31,500
Save $31,500 on 3BR/2.5BA Manteo home at Fincastle Glen
David Weekley Homes
$30,000
Up to $30,000 in 30th anniversary savings on select move-in-ready homes (Charlotte area)
Expires Jan 1, 2027
Empire Homes
$30,000
The Caswell community's Carson floor plan home in Charlotte has been reduced by $30,000, now priced at $449,900 (down…
Taylor Morrison
$27,720
Save $27,720 on Aspen home at Indian Trail Townhomes, 207 Silver Fleet Drive, Indian Trail, NC
Meritage Homes
$25,000
Up to $25K buyer incentive for closing costs and/or rate buydown
Empire Homes
$25,000
Buyers can receive up to $25,000 in flexible 'Flex Cash' incentive money for a limited time.
True Homes
$25,000
50% off structural and Design Studio options up to $50,000 spend (max $25,000 back)
Taylor Morrison
$24,980
Save $24,980 on Avon model at Terraces at the Exchange
Taylor Morrison
$24,440
Save $24,440 on Tahoe model at Ridge at Sugar Creek
Taylor Morrison
$21,500
Save $21,500 on Manteo home at Fincastle Glen, 403 Silver Birch Court, Shelby, NC
Taylor Morrison
$20,680
Save $20,680 on Aspen model at Terraces at the Exchange
Taylor Morrison
$20,170
Save $20,170 on Elizabeth model at River Falls
KB Home
$20,000
Up to $20,000 off original price at Wilson Creek (Indian Land SC) & Sheffield (Indian Trail NC)
Expires Nov 28
DRB
$20,000
$20K flex cash for closing costs or rate buydown
DR Horton
$20,000
$20,000 design credits on dirt builds
LGI Homes
$20,000
$20,000+ in combined closing cost and rate incentives during Sunsational Summer Savings Event
Lennar
$20,000
Up to $20,000 price reduction on select homes
True Homes
$20,000
EWH810 reduced to $639,900 (down $20K)
Smith Douglas Homes
$20,000
Sunset Meadows in Charlotte, NC is offering up to $20,000 in closing costs plus a move-in package for new buyers.
DR Horton
$20,000
$20,000 Flex Cash - use it your way
DR Horton
$20,000
Cash buyers: $325,000 plus $2k closing costs, Charlotte north side townhomes
Taylor Morrison
$19,830
Save $19,830 on Avon model at Terraces at the Exchange
DR Horton
$18,990
$18,990 price reduction on 128 Fordingbridge Lane, Mooresville, NC (was $537,990, now $519,000)
Taylor Morrison
$18,680
$18,680 price reduction on Tahoe model at Ridge at Sugar Creek, 3165 Beacon Heights Road
Smith Douglas Homes
$18,000
Buyers at the Rowe Crossing community in Newton can receive up to $18,000 in closing cost assistance.
Taylor Morrison
$17,780
Save $17,780 on 4BR/2.5BA Montreat home at Fincastle Glen
Mattamy Homes
$16,199
Up to 3% of purchase price toward closing costs, pre-paids, HOA dues, or buydown (based on $539,990 home)
Mattamy Homes
$16,000
Up to 3% of purchase price (up to $16,000) towards closing costs when using Mattamy Home Funding on Quick Move-in Homes
Expires Oct 30
True Homes
$16,000
Cottage Greens lot 69 Coronado townhome reduced $16,000 to $314,900
Smith Douglas Homes
$16,000
Dawson Landing in Charlotte, NC is offering up to $16,000 in closing costs plus a move-in package for new buyers.
Smith Douglas Homes
$15,000
Dawson Landing in Charlotte is offering half off design options valued up to $15,000, plus a move-in package for new…
True Homes
$15,000
$15,000 Design Studio credit (Quick start promo)
Ryan Homes
$15,000
$15,000 toward closing costs on quick move-in townhomes at Cherry Grove
Lennar
$15,000
Up to $15,000 toward closing costs; requires financing through Lennar Mortgage
DR Horton
$15,000
Townhome reduced to $330,000, Charlotte north side
Lennar
$14,000
Dickenson II plan, homesite 0142: price reduced from $289,000 to $275,000
Taylor Morrison
$13,680
Save $13,680 on Tahoe model at Ridge at Sugar Creek
Lennar
$13,000
Abbey / 0310: Price reduced from $318,000 to $305,000
Smith Douglas Homes
$12,500
Sunset Meadows offers $12,500 in closing costs along with a move-in package for new buyers.
DR Horton
$11,990
$11,990 price reduction on 13117 Bristlehead Way, Charlotte, NC (was $421,990, now $410,000)
Taylor Morrison
$11,930
Save $11,930 on Alpine home at Indian Trail Townhomes, 209 Silver Fleet Drive, Indian Trail, NC
Meeting Street Homes & Communities
$10,000
$10,000 toward closing costs on 3-bedroom quick move-in townhomes at The Greens at Ayrsley (September closing)
Expires in 13 days
KB Home
$10,000
Up to $10,000 in closing costs when financing with KBHS at Wilson Creek & Sheffield
Expires Nov 28
Meeting Street Homes & Communities
$10,000
$10,000 Flex Cash on 2-bedroom quick move-in townhomes at The Greens at Ayrsley ($289,900-$324,900), limited time
Lennar
$10,000
Up to $10,000 seller credit towards closing costs
DR Horton
$10,000
Up to $10,000 Flex Cash with any lender for closing costs, rate buydown, or options
DR Horton
$10,000
Up to $10,000 towards closing costs for qualified buyers with DHI Mortgage
Mattamy Homes
$10,000
Up to $10,000 in design options at Waxhaw Landing on to-be-built homes
Smith Douglas Homes
$10,000
Winecoff is offering up to $10,000 in closing cost assistance for buyers.
Meritage Homes
$10,000
10K+ in incentives on select inventory
Meritage Homes
$10,000
$10,000 in closing costs on select homes with 5-year ARM
Meritage Homes
$10,000
$10,000 in closing costs on select homes
DR Horton
$10,000
Townhomes reduced to $335,000, Charlotte north side
Taylor Morrison
$9,890
$9,890 price reduction on Avon at Ridge at Sugar Creek, 8692 Miles Gap Road, Indian Land, SC
Taylor Morrison
$9,510
Save $9,510 on Linville at Fincastle Glen
Smith Douglas Homes
$9,000
Hickory Glen buyers can receive up to $9,000 toward closing costs.
Lennar
$8,000
$8,000 in closing costs when using Lennar Mortgage
DR Horton
$7,500
Up to $7,500 in closing costs with 4.99% FHA/USDA/VA rate - close by end of October
Expires Oct 31
DR Horton
$7,500
Up to $7,500 in closing costs with 5.50% Conventional rate - close by end of October
Expires Oct 31
Lennar
$7,000
Up to $7,000 toward closing costs
Expires Nov 24
Meritage Homes
$5,000
Extra $5,000 toward closing costs, rate buydowns, or price reduction
Mattamy Homes
$5,000
Up to $5,000 in design options at Westfall and Blair Place on to-be-built homes
DR Horton
$5,000
Up to $5,000 down payment assistance for qualified PRISMA employees
Lennar
$5,000
Up to $5,000 Flex Credit valid towards closing costs, rate buydown, or price reduction
Lennar
$3,000
Frost II plan, homesite 0138: price reduced from $317,000 to $314,000
Mattamy Homes
$2,000
$2,000 toward your new home for hometown heroes (military, firefighters, law enforcement, paramedics, teachers)
Expires Oct 24
True Homes
$2,000
Up to $2,000 in lender-paid closing costs with MoreLife Mortgage
Lennar
$2,000
Abbey / 0305: Price reduced from $298,000 to $296,000
DR Horton
$2,000
$2k closing costs for cash buyers on Charlotte north side townhomes
Taylor Morrison
$1,000
$1,000 toward design options for attending homebuying webinar on 9/16/26
Expires Oct 31
True Homes
$1,000
$1,000 in Design Studio options (excludes Showcase Homes)
Expires May 30, 2027
True Homes
Closing Cost Help
$0 out-of-pocket closing costs
Mattamy Homes
4.99%
4.99% rate / 5.727% APR on FHA 30-year fixed, select move-in ready homes, close by 11/30/2026
Expires in 3 days
Lennar
3.990%
FHA 5/1 ARM at 3.990% (7.053% APR), fixed for first 5 years
Expires in 3 days
Lennar
4.375%
FHA 5/1 ARM rate of 4.375% (7.413% APR), fixed for first 5 years
Expires in 3 days
True Homes
4.99%
4.99% FHA financing for qualifying buyers on all Showcase Homes
Expires in 9 days
M/I Homes
Price Reduction
Price reductions on select homes during flash sale
Expires Oct 12
DR Horton
4.99%
4.99% rate on 30-year fixed FHA, USDA, VA loans, close by end of October
Expires Oct 31
DR Horton
5.50%
5.50% rate on 30-year fixed Conventional - close by end of October
Expires Oct 31
Meeting Street Homes & Communities
Free Upgrades
Move-in package included on quick move-in townhomes at The Greens at Ayrsley: washer, dryer, refrigerator and blinds
DRB
Free Upgrades
Move-in package: refrigerator, washer, dryer, and blinds included
DRB
2.99%
2.99% FHA/VA on 3-2-1 buydown (also available for conventional at higher rate)
True Homes
Closing Cost Help
Up to 6% concessions available at Masons Mill (Erwin) and Nathans Ridge (Lillington)
DRB
4.99%
4.99% 7-year ARM for investors with 25% down
LGI Homes
Closing Cost Help
Builder-paid closing costs
LGI Homes
Free Upgrades
CompleteHome™ upgrades included
DR Horton
Closing Cost Help
3.5% down payment assistance via forgivable second lien, forgiven after 36 on-time payments
DR Horton
Special Offer
FHA loan with 3.5% down payment assistance, forgivable after 36 months of on-time payments
Taylor Morrison
Rate Buydown
Reduced rate with no monthly mortgage insurance on conventional loans when financing with Taylor Morrison Home Funding
Taylor Morrison
Special Offer
Secure your new home with as little as 5% down payment
Dream Finders Homes
Closing Cost Help
Closing cost credits available through in-house lender
Mattamy Homes
Closing Cost Help
Up to 3% of purchase price towards buydown, closing costs, HOA dues, and prepaids
Lennar
Free Upgrades
FREE move-in package with complimentary high-speed internet service for Glen Collection townhomes
Meritage Homes
3.99%
Interest rates as low as 3.99% for lower monthly payment
Empire Homes
Free Upgrades
Buyers can also get savings on design/upgrade selections as part of the limited-time promotion.
Dream Finders Homes
Special Offer
The builder is promoting a seasonal savings event offering discounts on select quick move-in homes, though no specific…
DR Horton
Price Reduction
Home of the Week: $10k-$20k price reduction, keep your own lender
Empire Homes
4.99%
Buyers can access reduced mortgage interest rates starting at 4.99% for a limited time as part of Empire Homes' current…
Pulte Homes
3.99%
3.99% rate on 7/6 ARM for 7 years
Mattamy Homes
Special Offer
Up to 100% or 101.5% FHA financing with Down Payment Assistance Program through Highlands Residential Mortgage
Meritage Homes
Price Reduction
Great end-of-year pricing on select quick-move-in homes
True Homes
Price Reduction
Two move-in ready Prestons at The Cottages priced at just $300,000
Empire Homes
Free Upgrades
A specific move-in ready home (Whitley A, Abershire community in Charlotte) includes a free fridge, washer, and dryer…
Dream Finders Homes
Rate Buydown
Rate buydowns available through in-house lender
True Homes
4.99%
4.99% rate on 30-year fixed when financing through More Life Mortgage (preferred lender)
M/I Homes
Price Reduction
Homes now priced in the $260s at Bellamore
Meritage Homes
Free Upgrades
Appliance package included: refrigerator, washer, dryer & blinds
M/I Homes
Free Upgrades
Washer, dryer, refrigerator & blinds included
Tri-Pointe
Special Offer
Several move-in ready homes in the Fifteen 15 Cannon and Amplitude communities in Charlotte, NC are listed with an…
DR Horton
Free Upgrades
Blinds, fridge, washer, dryer (negotiable)
True Homes
Price Reduction
Additional Showcase Homes with reduced pricing and special incentives
Meritage Homes
Closing Cost Help
Up to 6% toward closing costs (community specific)
Ryan Homes
Free Upgrades
All appliances included
Lennar
Free Upgrades
Free refrigerator included with your new home
Smith Douglas Homes
Free Upgrades
Cedar Meadows buyers can personalize their homesite with half off select options.
True Homes
Special Offer
100% financing on FHA loans with 3.5% down payment rolled into 10-year second mortgage (600+ credit score)
Toll Brothers
3.99%
Toll Brothers is offering an FHA 30-year fixed rate mortgage with a 2/1 buydown program, starting at a 3.99% rate…
Empire Homes
4.99%
Limited-time reduced mortgage interest rates starting as low as 4.99% are being offered.
Meritage Homes
Closing Cost Help
Closing costs to buy interest rate down and cover out of pocket costs with builder lender
Meritage Homes
Special Offer
ARM option with 5 months of no payments
KB Home
Price Reduction
Model home available for $414,812 - 3 bed/2 bath ranch, 1,582 sq ft with upgrades
M/I Homes
Special Offer
M/I Financial offers a House-to-Sell program that helps buyers market and sell their current home to prospective buyers…
Smith Douglas Homes
Free Upgrades
Winecoff buyers can also get half off on select design options/upgrades.
Meritage Homes
Price Reduction
Price reductions on select homes
DR Horton
Price Reduction
Only a few homes remain in the original Secrest phase at reduced pricing from $389,550
M/I Homes
4.875%
M/I Financial offers a reduced 4.875% rate (5.6451% APR) on a 30-year fixed FHA loan for qualified buyers.
Dream Finders Homes
Free Upgrades
Full appliance package included: refrigerator, range, microwave, dishwasher, washer, and dryer, plus blinds throughout
DR Horton
Special Offer
0% down payment program available with preferred lender
True Homes
Free Upgrades
FREE 3rd-Car Garage included in base price on The Cora 2742 at Wendell Springs
Meritage Homes
Free Upgrades
Move-in package includes fridge, washer/dryer, and blinds on every home
M/I Homes
4.875%
M/I Homes is offering a reduced 4.875% rate (5.6451% APR) on a 30-year fixed FHA loan through their affiliated lender,…
Meritage Homes
3.99%
3.99% ARM option (pricing may adjust, call for details)
Dream Finders Homes
3.49%
Dream Finders Homes is advertising special financing with interest rates starting at 3.49% (6.281% APR), likely a…
Smith Douglas Homes
Special Offer
Dawson Landing in Charlotte is offering VIP pricing along with a move-in package for buyers during its grand opening…
Smith Douglas Homes
Rate Buydown
Cedar Meadows has a special financing rate available, likely tied to the builder's featured ARM promotion.
Smith Douglas Homes
Rate Buydown
Catawba Trace has a special financing rate available, likely tied to the builder's featured ARM promotion.
Dream Finders Homes
Special Offer
The builder is promoting a limited-time savings event on select quick move-in homes, though specific discount amounts…
Why our list looks different
We track every active builder incentive across Charlotte metro and refresh the list weekly. We're not affiliated with any builder, and we don't run preferred-builder partnerships. When you're ready to tour, we represent you — not the builder — and we negotiate the offer, the upgrades, and the closing terms on your behalf. Builder sales reps work for the builder. We work for you.
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Charlotte Builder Incentives: Common Questions
What builder incentives are available in Charlotte right now?
As of the latest verification, 173 active buyer incentives are available across 19 Charlotte-area builders, with offers ranging up to $100,000. Common types include rate buydowns, closing cost assistance, design center credits, and price reductions on move-in-ready inventory homes. Specific offers change weekly, so the live list on this page is the current verified set.
Are builder incentives negotiable?
Posted incentives are typically the baseline, not the ceiling. Additional concessions, design center credits, and rate buydown amounts can often be negotiated, especially on quick move-in inventory homes that have been sitting. Builders rarely move on sticker price, but almost everything else is on the table. A buyer's agent who tracks current builder offers across the metro can usually push for a stronger package than what's posted publicly.
Can I stack a builder incentive with my own lender financing?
Most builders tie their best incentives to using their preferred lender, since rate buydowns and closing cost credits typically require it. You can usually still bring outside financing, but you'll often forfeit some or all of the incentive. The right move is to run both scenarios: the builder's preferred lender with full incentives versus an outside lender at market rate without. Sometimes the outside lender still wins on total cost; sometimes the builder package is genuinely better. Don't decide until you've seen both numbers in writing.
Do I need a buyer agent to access these incentives?
No. These incentives are available to any buyer who qualifies under the builder's terms. But the builder pays a buyer-agent commission whether you bring representation or not, so walking in alone means the builder keeps that money rather than crediting it to you. A buyer's agent doesn't cost you anything out of pocket on new construction, and they can often negotiate additional concessions on top of the posted incentives.
How often is this list updated?
Active builder incentives across the Charlotte metro are verified and updated weekly. Expired offers are removed automatically; new offers are added as builders publish them. The page shows the date of the most recent verification at the top.