01
Representation and registration
Ask who represents whom, how compensation works and whether the builder requires an agent to accompany or register the buyer on the first visit.
02
Builder contract
Builder forms can differ substantially from resale contracts. Review deposits, financing, cancellation, delays, substitutions, completion, dispute, inspection and closing provisions with qualified counsel.
03
Price, incentives and lender offers
Compare the complete transaction. Incentives may depend on a preferred lender or title provider; evaluate rate, fees, credits, price, upgrades and long-term cost together.
04
Lot premiums and design selections
Budget beyond base price for the lot, structural choices, finishes, appliances, window coverings, landscaping and work deferred until after closing.
05
Inspections and walkthroughs
Ask about independent inspection access at pre-drywall, completion and warranty stages. Document incomplete or defective work and understand the contract's correction process.
06
HOA, CDD and taxes
Review HOA obligations and determine whether CDD or other non-ad valorem assessments appear on the parcel's tax bill. New-home tax estimates based only on vacant land can be misleading.
07
Insurance and flood research
Obtain property-specific insurance and flood guidance early. New construction can still face wind, water, drainage, roof, opening and underwriting questions.
08
Timeline, closing and warranty
Construction dates can move. Coordinate rate locks, lease endings, movers and sale contingencies conservatively, then keep contracts, change orders, inspections and warranty records.
Source methodology
Verify current information before relying on it
This guide uses official government, association or community sources where available. Rules, fees, insurance, inspections, amenities and market conditions can change. Review the exact property, current association records and advice from appropriately qualified professionals.
Direct answers
Frequently asked questions
Is the model-home price the final price?
Often no. Lot premiums, structural options, design selections and post-closing needs can materially change total cost.
Should a new home be inspected?
Buyers commonly choose independent inspections because new does not mean error-free. Access and remedies depend on the contract.
What is a CDD?
A community development district is a special-purpose governmental entity that may levy parcel assessments for infrastructure and services.