Taylor Morrison
$62,625
Save $62,625 on Bali at Esplanade at Northgate, 106 Northgate Boulevard
Charlotte • Fort Mill • Indian Land • Waxhaw • Lancaster
Charlotte builders are offering up to $62,625 off right now.
16 builders. 118 active offers. Verified this week.
Last verified: October 10, 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.
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
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
Taylor Morrison
$45,680
$45,680 price reduction on Aspen model at Terraces at the Exchange, 7308 Wake Way
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
$41,830
$41,830 price reduction on Avon model at Terraces at the Exchange, 7304 Wake Way
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
$37,560
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
$35,440
Save $35,440 on Avon at Terraces at the Exchange, 7316 Wake Way
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
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
$24,440
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
KB Home
$20,000
Up to $20,000 off original price at Wilson Creek (Indian Land SC) & Sheffield (Indian Trail NC)
Expires Nov 28
Lennar
$20,000
Up to $20,000 price reduction on select homes
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.
Taylor Morrison
$19,830
Save $19,830 on Avon model at Terraces at the Exchange
Taylor Morrison
$18,680
$18,680 price reduction on Tahoe model at Ridge at Sugar Creek, 3165 Beacon Heights Road
Meritage Homes
$18,000
Up to $18K toward closing costs or rate buydowns
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
Taylor Morrison
$17,260
Save $17,260 on Tahoe at Ridge at Sugar Creek, 3177 Beacon Heights Road
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.
True Homes
$15,000
$15,000 Design Studio credit (Quick start promo)
DR Horton
$15,000
Townhome reduced to $330,000, Charlotte north side
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…
Taylor Morrison
$13,680
Save $13,680 on Tahoe model at Ridge at Sugar Creek
Taylor Morrison
$11,930
Save $11,930 on Alpine home at Indian Trail Townhomes, 209 Silver Fleet Drive, Indian Trail, NC
KB Home
$10,000
Up to $10,000 in closing costs when financing with KBHS at Wilson Creek & Sheffield
Expires Nov 28
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
Meritage Homes
$10,000
10K+ in incentives on select inventory
Smith Douglas Homes
$10,000
Winecoff is offering up to $10,000 in closing cost assistance for buyers.
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.
DR Horton
$7,500
Up to $7,500 in closing costs with 5.50% Conventional rate - close by end of October
Expires Oct 31
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
Dream Finders Homes
$7,500
$7,500 toward closing costs
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
DR Horton
$5,000
Up to $5,000 down payment assistance for qualified PRISMA employees
Lennar
$4,911
Titan / 0154 reduced from $239,000 to $234,089
Lennar
$4,000
Blush II / 0037 reduced from $319,000 to $315,000
Lennar
$2,650
Dover II / 0060 reduced from $445,239 to $442,589
Lennar
$2,600
Dover II / 0049 reduced from $433,959 to $431,359
Mattamy Homes
$2,000
$2,000 toward your new home for hometown heroes (military, firefighters, law enforcement, paramedics, teachers)
Expires in 13 days
Lennar
$2,000
Abbey / 0305: Price reduced from $298,000 to $296,000
Taylor Morrison
$1,245
Save $1,245 on Tahoe at Ridge at Sugar Creek, 3186 Beacon Heights Road
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
Lennar
3.99%
FHA 5/1 ARM at 3.99% (7.093% APR), fixed for first 5 years
Expires today
M/I Homes
Special Offer
M/I Homes is running a limited-time fall promotion called 'Game Time: Ready. Set. Move.' encouraging buyers to close on…
Expires today
M/I Homes
Price Reduction
Price reductions on select homes during flash sale
Expires in 1 day
Dream Finders Homes
3.49%
2/1 buydown: 3.49% year 1, 4.49% year 2, 5.49% fixed years 3-30 on FHA, VA, USDA loans
Expires Oct 31
DR Horton
Price Reduction
Discount off purchase price on Red Tag homes
Expires Nov 1
DR Horton
Rate Buydown
Special interest rates available on select homes during Red Tag Event
Expires Nov 1
DR Horton
Price Reduction
Red Tag Event sale prices on select homes, 10/9/26-11/1/26
Expires Nov 1
DR Horton
Free Upgrades
Home upgrades available on select homes during Red Tag Event
Expires Nov 1
LGI Homes
4.99%
4.99% rate on FHA/VA 5/1 ARM loans, fixed for first 5 years, close by 11/14/26
Expires Nov 14
Lennar
4.375%
Promotional FHA 5/1 ARM rate of 4.375% (7.413% APR), fixed for first 5 years, must use Lennar Mortgage
Expires Nov 24
Mattamy Homes
5.99%
2/1 buydown with 5.99% fixed rate on 30-year Conventional loan, contract by 10/31, close by 11/30
Expires Nov 30
True Homes
Rate Buydown
Seller-paid interest rate buydown on FHA or VA financing, must use True Homes preferred lender
Toll Brothers
4.99%
Toll Brothers is offering a reduced 4.99% (5.24% APR) 30-year fixed mortgage rate for a limited time on select homes.
Smith Douglas Homes
Special Offer
VIP pre-sale pricing is being offered at the new Paw Creek community in Charlotte, NC.
Empire Homes
Free Upgrades
The builder is offering savings on design center upgrades as part of a limited-time promotion, though the exact…
LGI Homes
Closing Cost Help
LGI Homes states they will cover closing costs for buyers, with details available from a New Home Consultant.
Pulte Homes
4.50%
7/6 ARM at 4.50% for 7 years on quick close homes
Smith Douglas Homes
Rate Buydown
A special mortgage rate is available on homes at the Catawba Trace community in Catawba, NC.
Pulte Homes
5.75%
30-year fixed financing at 5.75% for those that qualify
Smith Douglas Homes
Special Offer
VIP pricing plus a move-in package offered at the Dawson Landing community in Charlotte, NC.
M/I Homes
Special Offer
M/I Homes' House-to-Sell program helps buyers sell their existing home while purchasing a new M/I home, offering a 3%…
Mattamy Homes
Closing Cost Help
Up to 3% of purchase price towards buydown, closing costs, HOA dues, and prepaids
Dream Finders Homes
Closing Cost Help
Closing cost credits available through in-house 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…
Dream Finders Homes
Special Offer
The builder is promoting a seasonal savings event offering discounts on select quick move-in homes, though no specific…
True Homes
Price Reduction
Two move-in ready Prestons at The Cottages priced at just $300,000
Dream Finders Homes
Rate Buydown
Rate buydowns available through in-house lender
Meritage Homes
Free Upgrades
Appliance package included: refrigerator, washer, dryer & blinds
Tri-Pointe
Special Offer
Several move-in ready homes in the Fifteen 15 Cannon and Amplitude communities in Charlotte, NC are listed with an…
True Homes
Price Reduction
Additional Showcase Homes with reduced pricing and special incentives
Empire Homes
Free Upgrades
Buyers can save on design upgrades as part of the same limited-time promotional offer.
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…
DR Horton
6.25%
6.25% rate on CHENOA loan when using DHI Mortgage
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
Lennar
Closing Cost Help
Closing cost assistance may be available on select Charlotte homes when financing through Lennar Mortgage.
True Homes
Free Upgrades
FREE 3rd-Car Garage included in base price on The Cora 2742 at Wendell Springs
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,…
LGI Homes
4.99%
LGI Homes is offering reduced mortgage interest rates as low as 4.99% (5.864% APR) as part of a limited-time national…
Meritage Homes
Special Offer
No Money Down Program with 5.99% rate on select homes
Meritage Homes
4.99%
4.99% interest rate for lower monthly payment at no additional cost on select homes
LGI Homes
Closing Cost Help
LGI Homes is covering closing costs for buyers; interested buyers should ask their New Home Consultant for details.
Dream Finders Homes
Special Offer
The builder is promoting a limited-time savings event on select quick move-in homes, though specific discount amounts…
Smith Douglas Homes
4.99%
A 4.99% initial rate (6.636% APR) on a 5/1 FHA or VA adjustable-rate mortgage, available on select homes through the…
Meritage Homes
5.99%
5.99% 30-Year Fixed on select homes
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, 118 active buyer incentives are available across 16 Charlotte-area builders, with offers ranging up to $62,625. 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.