Free builder-incentive math · No sign-up
NewHome Desk — new-construction incentive math, tool by tool
Builder incentives are confusing on purpose: credits, buydowns, design-center allowances, and preferred-lender packages all move money differently. Each calculator here isolates one decision, shows its formula and assumptions, and gives you a printable record you can take to the negotiating table.
Builder Credit vs Price Reduction
Compare the same builder incentive dollars as a closing-cost credit versus a purchase-price reduction — cash to close, payment, and break-even.
Free calculator
New Build vs Resale Cost Comparison
Put a new-construction scenario and a resale scenario on the same 1, 5, and 10-year horizons with every estimate visible and editable.
Free calculator
Design Center Credit Value
Compare a design-center credit against your own comparison prices, line by line — unused credit, overage, and the financed cost of the difference.
Free calculator
Free Upgrade Value Calculator
Compare an included-upgrade package or allowance against your own comparison prices, line by line — usable value, unused credit, and the financed cost of any overage.
Free calculator
Lot Premium Comparison Estimator
Put a lot premium next to your own comparable-lot evidence — premium percentage, comparison medians, and an honest not-enough-evidence state. Not an appraisal.
Free calculator
New Build Maintenance Savings Estimator
Model maintenance budgets for a new build versus an older home across low/base/high tiers and your chosen horizon — user-entered estimates, never predictions.
Free calculator
Builder Warranty Value Calculator
Organize your actual warranty's coverage rows into modeled covered-case scenarios, claim-limit math, and a reserve gap — the warranty document controls.
Free calculator
HOA/MUD/PID Cost Comparison (Texas)
Compare recurring HOA, MUD, and PID costs for two Texas properties over your horizon, with escalation scenarios and missing-disclosure warnings.
Free calculator
Closing Cash-to-Close Planner
Organize deposits, credits, down payment, and closing charges into a sources-and-uses worksheet with an honest incomplete state - never an official figure.
Free calculator
Closing Cost Incentive Calculator
Walk a builder credit across your transcribed cost lines - allocated credit, unallocated remainder, and cannot-determine states. Never an eligibility result.
Free calculator
Builder Incentive Break-Even Calculator
Compare an incentive as written against your alternative scenario and find the month the modeled difference reaches zero - within your selected horizon.
Free calculator
Permanent Buydown Calculator
User-entered amortization math for buying the rate down for the life of the loan - modeled monthly difference, break-even month, and full-term interest difference.
Free calculator
How these tools work
Every calculator is a user-entered estimate: you type the numbers from your own offer sheets and disclosures, and the tool shows the arithmetic — formulas visible, assumptions listed, sources linked. Nothing here quotes a rate, ranks a lender, or predicts approval.