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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.


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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