Compare Central Texas builder incentives without chasing every sales office.

Flex cash available

A lump sum the builder will put toward your purchase, and you usually choose where it goes — closing costs, a rate buydown, upgrades, or a price reduction. Flex cash often works with any lender, which makes it unusually portable.

7 current tagged homes. This is the most flexible kind of incentive there is: you can aim it at whatever actually lowers your cost. The amount moves with the community and the home, so we confirm the current figure before you write an offer.

Rate buydown available

The builder pays points up front to lower your mortgage rate — sometimes permanently for the life of the loan, sometimes temporarily for the first year or two (a "2-1 buydown").

23 current tagged homes. A lower rate usually beats an equal amount off the price, because it cuts every monthly payment. Ask which type it is and whether it requires the builder’s lender — that answer changes the real value.

Builder-paid closing costs

The builder covers some or all of the one-time fees due at closing — loan fees, title, escrow, prepaid taxes and insurance.

69 current tagged homes. This is cash you do not bring to the table on closing day, which matters most when your down payment is already stretching you.

Appliance package included

The builder includes appliances that many builders leave out — most often the refrigerator, and sometimes a washer and dryer.

19 current tagged homes. Easy to undervalue: a fridge alone can run $1,500-$3,000 you would otherwise buy in your first week.

Price reduced

The builder has publicly lowered the asking price on this home, usually to close out a section or hit a quarter-end target.

242 current tagged homes. A published cut is real money off the contract price. Homes in closeout tend to be the best-priced in a community — and the ones that go first.

Builder event pricing

A limited-time, builder-wide sale (D.R. Horton’s Red Tag Event is the best-known one) with published discounts on selected inventory homes.

0 current tagged homes. Event pricing has a hard end date, and the home usually has to be under contract before it passes to keep the price.

Special financing rate

The builder has locked a pool of below-market money through its own lender and is offering a fixed rate under the going market rate to buyers who use it.

81 current tagged homes. These pools run out, and the rate is tied to closing inside a window. You are never required to use the builder’s lender — compare it against your own before deciding.

Military savings available

A discount or credit the builder offers to active-duty service members, veterans and sometimes first responders. Omega applies theirs across every home they list.

37 current tagged homes. This corridor sits next to Fort Cavazos, so it applies to a lot of buyers here. Ask what form it takes — some builders take it off the price, others put it toward closing costs, and the two are worth different amounts to you. It usually needs proof of service at contract, and it may not stack with other offers.

What kinds of incentives do Central Texas builders offer?

Common categories include closing-cost credits, financing-rate offers, rate buydowns, flex cash, price reductions, appliance packages, event pricing and military savings. The amount and eligibility can differ by home.

Does the largest advertised incentive always create the lowest payment?

No. Compare the sale price, loan rate, points, lender fees, cash due at closing and how long you expect to keep the loan. The highest headline amount is not automatically the best financial result.

Do I have to use the builder’s preferred lender?

Not automatically. Some specific incentives require a preferred lender, but buyers can compare that offer with another lender. Ask for written terms and compare Loan Estimates.

Can a price reduction and closing-cost credit be combined?

Sometimes, but stacking rules vary by builder, community and home. Treat stacking as unknown until the builder confirms the exact combination in writing.

How often does 4me update builder incentives?

The page rebuilds from current 4me inventory. A tag identifies the type of offer, not a guaranteed amount or expiration date; 4me verifies the specific home again before an offer.

Current 4me new-home inventory ↗

Source for the builder, home and durable incentive-category counts on this page.

CFPB Loan Estimate explainer ↗

Official consumer guidance for comparing mortgage terms and costs.