True Homes
$399,000
Gideon plan at The Pinery at Edgewater, $399K
Charlotte • Fort Mill • Indian Land • Waxhaw • Lancaster
Charlotte builders are offering up to $399,000 off right now.
17 builders. 148 active offers. Verified this week.
Last verified: August 1, 2026
Add it and we'll text you the list now — and a heads-up the moment a new offer drops.
No spam. Unsubscribe anytime.
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.
True Homes
$365,000
TA3000 plan at The Glenns, $365K base price, 3,000 sq ft with 3-car garage
True Homes
$335,000
TA3000 plan at Eagle's Crest, $335K base price, 3,000 sq ft with 3-car garage
True Homes
$329,900
Reeves Lot 51 at Eagles Crest - $329,900
M/I Homes
$299,990
Single-Family Homes now starting from $299,990
True Homes
$289,900
Aria Lot 46 at Eagles Crest - $289,900
True Homes
$269,900
Aria Lot 52 at Eagles Crest - $269,900
M/I Homes
$248,990
Wiley Townhomes now starting from $248,990
Meritage Homes
$100,000
Home prices slashed up to $100,000
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
$55,760
$55,760 price reduction on Avon model at Terraces at the Exchange, 5549 Wolfpack Alley
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)
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
$42,575
Save $42,575 on Breckenridge II model at Indian Trail Townhomes
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)
DR Horton
$40,000
Price drops starting at $40,000 on select red tag sale homes
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
$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
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
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.
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
$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
True Homes
$20,100
Two Preston homes reduced from $350,000 to $329,900
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
True Homes
$20,000
EWH810 reduced to $639,900 (down $20K)
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
Lennar
$20,000
Up to $20,000 price reduction on select homes
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
Mattamy Homes
$16,199
Up to 3% of purchase price toward closing costs, pre-paids, HOA dues, or buydown (based on $539,990 home)
DRB
$15,000
Up to $15,000 in incentives when financing with approved lender
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
DR Horton
$15,000
Townhome reduced to $330,000, Charlotte north side
Lennar
$15,000
Up to $15,000 toward closing costs; requires financing through Lennar Mortgage
Lennar
$14,639
Price reduced from $404,639 to $390,000 on Chamberlain II homesite 0006
Taylor Morrison
$13,680
Save $13,680 on Tahoe model at Ridge at Sugar Creek
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)
Lennar
$10,679
Price reduced from $410,679 to $400,000 on Verona II homesite 0007
Taylor Morrison
$10,000
$10,000 Design Studio Credit when you sign by 8/16
Expires in 13 days
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 Sep 30
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
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.
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
Lennar
$9,639
Price reduced from $404,639 to $395,000 on Verona II homesite 0003
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
Lennar
$7,500
Move-In Package: refrigerator, window blinds, washer, and dryer (approx. retail value up to $7,500).
Expires Aug 26
Lennar
$7,500
Up to $7,500 toward closing costs. Must use Lennar Mortgage and close by 08/26/26.
Expires Aug 26
DR Horton
$7,500
Up to $7,500 in closing costs with Conventional loan, close by end of August
Expires Aug 31
DR Horton
$7,500
Up to $7,500 in closing costs with FHA, USDA, VA loan, close by end of August
Expires Aug 31
DR Horton
$7,300
Up to $7,300 toward closing costs (alternative to rate buydown)
True Homes
$5,000
$5K off any lot at The Glenns
Expires in 14 days
Lennar
$5,000
Up to $5,000 Flex Credit valid towards closing costs, rate buydown, or price reduction
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
Up to $5,000 in design options at Westfall and Blair Place on to-be-built homes
Taylor Morrison
$3,000
Up to $3,000 towards buydown fund, closing costs, pre-paids and/or discount points
Expires in 12 days
Mattamy Homes
$2,000
$2,000 toward your new home for hometown heroes (military, firefighters, law enforcement, paramedics, teachers)
Expires Oct 24
LGI Homes
$2,000
Closing costs capped at $2,000 when using preferred lender
True Homes
$2,000
Up to $2,000 in lender-paid closing costs with MoreLife Mortgage
DR Horton
$2,000
$2k closing costs for cash buyers on Charlotte north side townhomes
Smith Douglas Homes
$1,500
Hometown Hero Credit: $1,500 toward any Charlotte-area Smith Douglas home for teachers, hospital staff, military,…
True Homes
$1,000
$1,000 in Design Studio options (excludes Showcase Homes)
Expires May 30, 2027
Meritage Homes
Free Upgrades
Whirlpool® washer, dryer, refrigerator, dishwasher & blinds included
Expires today
Taylor Morrison
3.99%
3.99% rate / 4.06% APR on 30-year fixed Conventional loan, must use Taylor Morrison Home Funding and close by 9/18/26
Expires in 12 days
True Homes
Special Offer
$0 Lot Premium on any lot at Eagle's Crest
Expires in 14 days
True Homes
4.99%
Rates as low as 4.99% on Showcase homes
Expires Sep 30
M/I Homes
Price Reduction
Price reductions on select homes during flash sale
Expires Oct 12
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
LGI Homes
5%
30-year fixed FHA loan with rate bought down to low 5%
Taylor Morrison
Rate Buydown
Reduced rate with no monthly mortgage insurance on conventional loans when financing with Taylor Morrison Home Funding
Lennar
3.750%
3.750% rate on 5/1 ARM FHA loan (5.585% APR)
Taylor Morrison
Special Offer
Secure your new home with as little as 5% down payment
DRB
Price Reduction
3-bedroom, 3.5-bath home with private study now priced at $449,990
DRB
Price Reduction
Stunning 2-story home now offered at $589,990
LGI Homes
4.5%
5/1 ARM at around 4.5% interest rate
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
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
M/I Homes
Price Reduction
Homes now priced in the $260s at Bellamore
M/I Homes
Free Upgrades
Washer, dryer, refrigerator & blinds included
DR Horton
Free Upgrades
Blinds, fridge, washer, dryer (negotiable)
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
DR Horton
Free Upgrades
Free blinds, refrigerator, washer and dryer on Red Tag homes
True Homes
Special Offer
100% financing on FHA loans with 3.5% down payment rolled into 10-year second mortgage (600+ credit score)
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…
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.
Empire Homes
Free Upgrades
Buyers can also get savings on design/upgrade selections as part of the limited-time promotion.
Smith Douglas Homes
Rate Buydown
Catawba Trace is offering a special financing rate for buyers, though specific terms are not detailed.
Smith Douglas Homes
Free Upgrades
Winecoff buyers can also get half off on select design options/upgrades.
Smith Douglas Homes
Rate Buydown
Country Club Village is offering a special financing rate for buyers, though specific terms are not detailed.
Smith Douglas Homes
Free Upgrades
Cedar Meadows buyers can personalize their homesite with half off select options.
Lennar
3.99%
3.99% promotional rate on 7/6 ARM (5.698% APR), fixed for first 7 years
True Homes
4.99%
4.99% rate on Showcase homes with Seller Paid Incentives + Preferred Lender credits
DR Horton
Special Offer
0% down payment program available with preferred lender
Meritage Homes
4.99%
4.99% interest rate with $5,000 in closing costs
Meritage Homes
4.99%
4.99% rate on select homes in Crossrail & Sutters Mill
Meritage Homes
Free Upgrades
Move-in package includes fridge, washer/dryer, and blinds on every home
DR Horton
5.75%
5.75% rate with 100% financing through Home NOW Program
DR Horton
5.5%
5.5% Conventional rate
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.
Want the full list?
We'll email it now and ping you the moment a new offer drops or an old one's about to expire.
Add it and we'll text you the moment an offer drops or one's about to expire.
No spam. Unsubscribe anytime.