New-construction buyers face offers that are hard to compare: a rate buydown, a price reduction or closing-cost help. New construction buyer agent tools from CalcCapture turn each option into a monthly payment and a cash-to-close figure, so your buyer can see which incentive actually helps them, and you're the agent who made it clear.
Run each through the calculators with your buyer's own figures.
| Incentive | Calculator | What to compare |
|---|---|---|
| Permanent rate buydown (points) | Mortgage points | Monthly saving and how long they'll keep the loan |
| Price reduction | Mortgage | Payment at the lower price, plus lower taxes over time |
| Closing-cost credit | Buyer closing costs | Cash to close, for buyers short on cash |
| Temporary buydown | Mortgage at the reduced rate | Payments in years one and two, then the full rate |
It depends on the buyer. A permanent buydown often lowers the payment more than the same dollars off the price, which suits buyers who'll keep the loan for years. A price cut lowers the loan, taxes and equity risk, which suits buyers who may move or refinance. Run both with their numbers.
Builders often tie incentives to their affiliated lender. Your buyer can still compare the full package (rate, fees and incentive) against an outside Loan Estimate. The calculators help you put both in the same terms.
Be careful not to steer. Your role is to make the comparison clear. The buyer chooses the lender.
Run the mortgage points calculator for the buydown (cost, monthly saving, break-even) and the mortgage calculator at the reduced price. Compare monthly payments, cash to close and the buyer's expected time in the home.
Approximately: run the mortgage calculator at the first-year rate, the second-year rate and the note rate to show the payment in each period. The points calculator models permanent buydowns only.
Loan programs limit interested-party contributions. The buyer's lender confirms how much of an incentive can be applied.
Property taxes reassessed on the completed home, HOA dues and closing costs that differ from resale. Use realistic estimates in the calculators, and say they're estimates.
Yes. Send direct links with the community's price and taxes pre-filled. Buyers try different options with their partner, and their scenarios come back to you as updated leads.
You can explain the incentives. Avoid steering, and follow RESPA and your brokerage's policy on affiliated business arrangements. Encourage buyers to compare Loan Estimates.
Mortgage, mortgage points and buyer closing costs are on every plan, including the free Agent plan.
Yes. Use a theme and colors that match your community page, and on Team or Brokerage remove the credit.
Payment, points and closing costs, free on every plan.
No card needed on the Agent plan · 14-day free trial on Team and Brokerage