Taylor Morrison
$65,760
Save $65,760 on Avon model at Terraces at the Exchange, 5549 Wolfpack Alley.
Charlotte • Fort Mill • Indian Land • Waxhaw • Lancaster
Charlotte builders are offering up to $65,760 off right now.
14 builders. 81 active offers. Verified this week.
Last verified: October 30, 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
$62,625
Save $62,625 on Bali at Esplanade at Northgate, 106 Northgate Boulevard
Taylor Morrison
$58,210
Save $58,210 on Malta at Esplanade at Northgate
LGI Homes
$50,000
Up to $50,000 combined incentives including builder-paid closing costs
Expires in 13 days
Pulte Homes
$50,000
Up to $50,000 price reduction on select Quick Move-In Homes
Taylor Morrison
$45,560
Save $45,560 on Breckenridge II model at Indian Trail Townhomes, 340 Sunland Alley.
Empire Homes
$45,000
Empire Homes' Smart Move Sales Event offers up to $45,000 in 'Empire flex cash' toward buying a new Empire home in the…
Expires Dec 31
Taylor Morrison
$41,180
Save $41,180 on Aspen at Terraces at the Exchange, 7318 Wake Way
Taylor Morrison
$37,720
Save $37,720 on Aspen model at Indian Trail Townhomes, 207 Silver Fleet Drive.
Taylor Morrison
$35,440
Save $35,440 on Avon at Terraces at the Exchange, 7316 Wake Way
Taylor Morrison
$34,920
Save $34,920 on Aspen at Terraces at the Exchange, 7322 Wake Way
Taylor Morrison
$33,720
Save $33,720 on Linville model at Fincastle Glen, 309 Fincastle Glen Rd.
Taylor Morrison
$32,140
Save $32,140 on home at Indian Trail Townhomes, 3 Bed | 2.5 Bath.
Taylor Morrison
$27,260
Save $27,260 on Tahoe model at Ridge at Sugar Creek, 3177 Beacon Heights Road.
Taylor Morrison
$25,650
Save $25,650 on Avon model at Terraces at the Exchange, 7336 Wake Way.
Meritage Homes
$25,000
Up to $25K toward closing costs or rate buydowns on non-purple homes
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 at Ridge at Sugar Creek, 3166 Beacon Heights Road
KB Home
$20,000
Up to $20,000 off original price at Wilson Creek (Indian Land SC) & Sheffield (Indian Trail NC)
Expires Nov 28
Meritage Homes
$20,000
$20,000 toward closing costs
Meritage Homes
$18,000
Up to $18K toward closing costs or rate buydowns
Taylor Morrison
$17,260
Save $17,260 on Tahoe at Ridge at Sugar Creek, 3177 Beacon Heights Road
Smith Douglas Homes
$16,000
Buyers at Winecoff (Salisbury, NC) can receive up to $16,000 toward closing costs, and the special rate also applies.
Lennar
$15,000
Up to $15,000 flex credit toward closing costs or a rate buydown on select new homes at Harris Mill and Summerlyn…
Expires Nov 30
DR Horton
$15,000
Up to $15,000 Flex Cash on homes that can close by December 2026, usable for closing costs, rate buydowns, or an…
Expires Dec 31
Empire Homes
$15,000
SouthCraft Homes' Smart Move Sales Event offers up to $15,000 cash back and more on new SouthCraft homes in the…
Expires Dec 31
True Homes
$15,000
$15,000 Design Studio credit (Quick start promo)
DR Horton
$15,000
Up to $15,000 in closing costs on select homes.
Smith Douglas Homes
$15,000
Ember Glen (Charlotte, NC) is offering half off upgrades, up to $15,000 in value.
Lennar
$11,000
Up to $11,000 price reduction on select homesites at Enclave at Redhawk.
Expires today
KB Home
$10,000
Up to $10,000 in closing costs when financing with KBHS at Wilson Creek & Sheffield
Expires Nov 28
DR Horton
$10,000
Up to $10,000 towards closing costs for qualified buyers with DHI Mortgage
Expires Dec 31
Lennar
$10,000
Up to $10,000 seller credit towards closing costs
Meritage Homes
$10,000
10K+ in incentives on select inventory
Mattamy Homes
$10,000
Price reduced from $299,990 to $289,990 on Hedgecliff Townes in Kannapolis, NC
Mattamy Homes
$10,000
Price reduced from $309,990 to $299,990 on Townes at Milhaven in Charlotte, NC
Mattamy Homes
$10,000
Price reduced from $309,990 to $299,990 on Bailey Run townhome in Charlotte, NC
Mattamy Homes
$9,970
Price reduced from $324,960 to $314,990 on 3BR/2.5BA townhome in Stonesummit at Reedy Creek, Charlotte NC.
Smith Douglas Homes
$9,000
Buyers at Rowe Crossing (Newton, NC) can receive up to $9,000 toward closing costs. Seller contributions may require…
Lennar
$7,500
Up to $7,500 toward closing costs.
Expires Nov 24
DR Horton
$7,500
$7,500 toward closing costs for homes closing in January
Expires Jan 31, 2027
Dream Finders Homes
$7,500
$7,500 toward closing costs
DR Horton
$5,000
Additional $5,000 Flex Cash for closing costs, rate buydown, or move-in package (refrigerator, washer, dryer, blinds)
Expires Dec 31
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
Mattamy Homes
$5,000
Price reduced from $279,990 to $274,990 on Arbor Chase townhome in Clover, SC
Mattamy Homes
$3,796
Free Move-in Appliance package (refrigerator, washer, dryer) on eligible Quick Move-in homes
Expires today
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
DR Horton
Price Reduction
Red Tag Event sale prices on select homes, 10/9/26-11/1/26
Expires today
DR Horton
Free Upgrades
Home upgrades available on select homes during Red Tag Event
Expires today
M/I Homes
Closing Cost Help
Home Sweet Savings: up to 3% of the base price toward closing costs when you finance with M/I Financial. Contract by…
Expires in 7 days
LGI Homes
Closing Cost Help
Builder-paid closing costs on select homes, close by 11/14/26
Expires in 13 days
LGI Homes
4.99%
4.99% rate (5.864% APR) on FHA/VA 5/1 ARM loans, fixed for first 5 years, close by 11/14/26
Expires in 13 days
Lennar
4.500%
4.500% promotional FHA 5/1 ARM rate (7.529% APR), fixed for first 5 years.
Expires Nov 24
Mattamy Homes
5.99%
2/1 buydown with 5.99% rate on FHA 30-year fixed, contract by 10/31, close by 11/30
Expires Nov 30
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
Empire Homes
Special Offer
Quick delivery (move-in ready) Empire homes carry their own Smart Move Sales Event incentives, which vary by community…
Expires Dec 15
DR Horton
4.75%
4.75% FHA 5/1 ARM on select homes, close by end of December.
Expires Dec 31
DR Horton
5.99%
5.99% rate on Conventional fixed loans, close by end of year
Expires Dec 31
DR Horton
5.9%
5.9% rate on Conventional loans for homes closing October-December
Expires Jan 31, 2027
DR Horton
5.5%
5.5% rate on FHA/VA loans for homes closing in January
Expires Jan 31, 2027
True Homes
Rate Buydown
Seller-paid interest rate buydown on FHA or VA financing, must use True Homes preferred lender
M/I Homes
Special Offer
The M/I Homes Home-To-Sell program is for buyers who need to sell their current home first. It offers the buyer of your…
Smith Douglas Homes
Special Offer
VIP pre-sale pricing is being offered at the new Paw Creek community in Charlotte, NC.
Pulte Homes
4.50%
7/6 ARM at 4.50% for 7 years on quick close homes
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.
KB Home
4.99%
Rates as low as 4.99% (5.781% APR) on a 5/1 FHA adjustable-rate mortgage through KBHS Home Loans, the affiliated lender…
LGI Homes
Free Upgrades
Included Whirlpool® kitchen appliances on new homes.
Mattamy Homes
Closing Cost Help
Up to 3% of purchase price towards buydown, closing costs, HOA dues, and prepaids
Toll Brothers
5.49%
Toll Brothers is advertising a promotional 30-year fixed mortgage rate of 5.49% (5.76% APR) on select homes for a…
Meritage Homes
Free Upgrades
Appliance package included: refrigerator, washer, dryer & blinds
DR Horton
6.25%
CHENOA 100% financing as low as 6.25% fixed with DHI Mortgage.
Meritage Homes
Special Offer
No Money Down Program with 5.99% rate on select homes
DR Horton
5.25%
Conventional 7/6 ARM as low as 5.25% with DHI Mortgage.
Dream Finders Homes
2.99%
Dream Finders Homes is advertising promotional financing with interest rates starting at 2.99% (5.959% APR) on its…
Smith Douglas Homes
4.99%
Limited-time 5/1 ARM FHA/VA financing at a 4.99% initial rate (6.636% APR) on select homes through the preferred…
Meritage Homes
4.99%
4.99% interest rate for lower monthly payment at no additional cost on select homes
Meritage Homes
5.99%
5.99% 30-Year Fixed on select homes
LGI Homes
Free Upgrades
Luxury upgrades included at no extra cost 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, 81 active buyer incentives are available across 14 Charlotte-area builders, with offers ranging up to $65,760. 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.