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How much price reduction builder can go on new homes. If base price without any upgrades is 500k , can you bargain for 440. In which condition builder can give dip discounts. Does closing help cont..

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It really depends on the situation. Builders do not like to reduce the price of the home - it makes them feel like a dishonest brokers to all the other people building at the same time that are not getting a discount. That said - they are more likely to offer you incentives that may include like half off options and elimination of lot premium.

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Generally counted as discount or just take away your costs but mortgage amount remain same. In which condition its beneficial to pay below 20% and get PMI.

Average profit margin for new home construction is around 19% nationwide so you should have some negotiation room.

Not a finance person, but regarding PMI, compare the cost of PMI to the interest/gain you would lose by putting more money down.

Profit margin is way above 19%....

I remember a builder acquaintance telling me to not negotiate off of price, but hold the price and get upgrades. He said that each house was a loan and he would rather hold the revenue constant and eat the margin wrt his banker and getting his next building loan. FWIW

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