Comparing homes

New build or resale

A new build next to a resale home: the real price once upgrades and missing pieces are added, the wait, and the monthly payment.

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Live tool

Try it now

Change any number and everything updates. When it looks right, send it to Morgan.

For both

Mortgage rateexample — change to yours

Down payment

Property tax, % of price per yearexample — change to yours

What you pay to live now, per month (while you wait)

New build

Base price

Lot premium

Upgrades you would choose

Builder incentive (credit at closing)

Months until it is ready

HOA dues per month

What is not included

Check what the builder’s contract includes. Costs are examples, change them to quotes.

Window coverings
Cost if not included
$
Builder includes it
Backyard landscaping
Cost if not included
$
Builder includes it
Fencing
Cost if not included
$
Builder includes it
Refrigerator, washer and dryer
Cost if not included
$
Builder includes it
Garage door opener and storage
Cost if not included
$
Builder includes it

Resale

Price

Repairs and updates you would do

Months until you move in

HOA dues per month

Lower real cost—

By—

An estimate for planning, not an appraisal, a loan offer, or legal, tax or financial advice.

Behind the numbers

How it works

Real price

New build: base price + lot premium + upgrades + anything not included − builder incentive + what you pay to live where you are while it is built. Resale: price + repairs and updates + housing cost until you move in.

Monthly payment

Principal and interest on a 30-year loan (the purchase price including lot and upgrades, minus your down payment percentage), plus property tax and HOA.

What is left out

Insurance, utilities and maintenance differences, and any price change while you wait.

Adjust it

What each input means

Upgrades	What you would actually choose in the design center, not the model home.
Builder incentive	Credits are often tied to using the builder’s lender. Compare that loan with another lender’s.
Months until ready	Ask the builder for the date in writing and what happens if it slips.

When to use it

Made for

Touring a model home and a resale on the same day
Deciding whether the wait is worth it
Budgeting upgrades before the design center

Part of a guided path

Buying

Choose the part of town that fits your life first: golf, trails, dining, space, views. Then be first to the right homes, sent to you personally by Morgan.

Find your area
Backyard sun (optional)
Your search
Your plan

About this path

Questions

Good to know

Do I need my own agent for a new build?+

It helps. The builder’s salesperson works for the builder. Morgan can review the contract, upgrades and incentives with you, usually by being there at your first visit.

Should I get a new build inspected?+

Yes. Inspections before drywall and before closing can catch issues while the builder can still fix them.

Keep planning