New - 1 Hour Ago
$774,000
Active
4
Beds
3
Baths
1792
Sqft
1
Acres
767 Valley Of The Sun Dr, Fairplay, CO 80440
MLS#: 1902405
Kenna Real Estate Group · New construction
New Construction Incentives in Colorado: What Builders Are Giving Right Now
Colorado builders are sitting on a 15-year inventory peak. That means closing cost credits, rate buydowns, design money and price cuts on quick move-in homes. Here is who is offering what, and how to get all of it.
A live person answers. Not a robot, not a phone tree.
The short answer
Right now the best deal in Colorado real estate is a quick move-in home from a builder that has too many of them. Builders are paying closing costs, buying rates down well below the market rate through their own lenders, waiving lot premiums and cutting prices on finished homes. The incentives are largest on homes that are complete and sitting. They are smallest on a dirt start you customize.
New builds for sale
2,757
across Colorado, built 2025 or later
Colorado Springs, Aurora, Denver, Parker and Windsor lead.
Closing cost credits
$10K to $25K
on quick move-in homes
Tied to using the builder's lender in most cases.
Rate buydowns
2-1 or permanent
below the market rate
Do the math on the payment, not the rate.
Your cost to bring an agent
$0
the builder pays
Register your agent on the first visit.
Which incentive is worth the most?
| Incentive | Value on a $600,000 home | Catch |
|---|---|---|
| Permanent rate buydown | Hundreds a month for 30 years | Builder's lender, quick move-in only |
| 2-1 temporary buydown | About $616 a month in year one, $315 in year two | Returns to the note rate in year three |
| Closing cost credit | $10,000 to $25,000 cash at closing | Capped by the loan type |
| Price cut | 3% to 8% on standing inventory | Only on homes that sat |
| Design credit | $5,000 to $20,000 of upgrades | Only on homes not yet finished |
| Lot premium waived | $5,000 to $40,000 | Ask; it is rarely advertised |
Which builder is giving what
Every builder on this list is paying for something right now; the difference is whether it comes as a lower rate, cash at closing, or upgrades. The pattern is the same across the Front Range: finished quick move-in homes carry the deepest incentives, to-be-built homes carry design credits, and almost every credit requires the builder’s own lender. Prices below are the current spread of that builder’s listings on this site, from the least expensive to the most; they move weekly and the builder pages show the live list.
| Builder | The incentive it leans on | Where it is building | Listings on this site right now | Homes for sale |
|---|---|---|---|---|
| Toll Brothers | Financing incentives through Toll Brothers Mortgage, design-studio credits, and price adjustments on finished quick move-in homes | Castle Rock, Erie, Parker, Aurora, Superior, Berthoud | $425K to $1.82M | Toll Brothers homes for sale |
| Meritage | Rate buydowns through the builder lender and price adjustments on spec homes; energy-efficient package is standard, not an upgrade | Windsor, Greeley, Aurora, Commerce City, Firestone, Peyton | $365K to $775K | Meritage homes for sale |
| Lennar | Everything’s Included pricing, closing-cost credits and rate buydowns through Lennar Mortgage on quick move-in homes | Aurora, Colorado Springs, Littleton, Morrison, Johnstown, Loveland | $335K to $1.18M | Lennar homes for sale |
| Pulte | Rate buydowns and closing-cost credits through Pulte Mortgage, strongest on finished homes | Aurora, Firestone, Watkins, Fort Lupton, Elizabeth | $390K to $1M | Pulte homes for sale |
| Classic Homes | Colorado Springs builder with preferred-lender rate buydowns and closing-cost credits on quick move-ins | Colorado Springs, Monument | $260K to $1.32M | Classic Homes homes for sale |
| Richmond American | Rate buydowns and closing-cost credits through HomeAmerican Mortgage, plus design-center credits on to-be-built homes | Aurora, Castle Rock, Erie, Broomfield, Littleton | $400K to $1.45M | Richmond American homes for sale |
| Hartford Homes | Northern Colorado builder with preferred-lender credits and finished-home price adjustments | Fort Collins, Windsor, Timnath | $345K to $713K | Hartford Homes homes for sale |
| Dream Finders | Closing-cost credits and rate incentives through Jet HomeLoans; the deepest on homes that are already finished | Parker, Elizabeth, Strasburg, Bennett | $430K to $1M | Dream Finders homes for sale |
| KB Home | Rate promotions and closing-cost help through KBHS Home Loans; buyers pick the lot and the finishes at the base price | Aurora, Denver, Erie, Longmont, Parker | $408K to $825K | KB Home homes for sale |
| Tri Pointe | Rate buydowns through Tri Pointe Connect and closing-cost credits on quick move-ins | Aurora, Littleton, Commerce City, Arvada | $400K to $999K | Tri Pointe homes for sale |
| David Weekley | Financing incentives through Priority Home Mortgage and design credits on to-be-built homes | Aurora, Castle Rock, Colorado Springs, Highlands Ranch | $425K to $976K | David Weekley homes for sale |
| Oakwood Homes | Rate buydowns and closing-cost credits through Nest Home Lending; attainable price points east of Denver | Aurora, Watkins, Johnstown, Fountain | $375K to $1.05M | Oakwood Homes homes for sale |
| Shea Homes | Preferred-lender credits through Shea Mortgage and upgrade allowances | Littleton, Highlands Ranch, Castle Pines | $430K to $1.85M | Shea Homes homes for sale |
| Thrive Home Builders | Preferred-lender credits on high-efficiency, solar-ready homes; incentives tied to finished inventory | Denver, Lone Tree, Wheat Ridge | $446K to $646K | Thrive Home Builders homes for sale |
| Vantage Homes | Colorado Springs builder with preferred-lender incentives and design allowances on to-be-built homes | Colorado Springs, Monument | $570K to $1.01M | Vantage Homes homes for sale |
| Century Communities | Rate buydowns and closing-cost credits through Inspire Home Loans on quick move-in homes | Lochbuie, Dacono, Mead, Parker, Aurora | $450K to $2.35M | Century Communities homes for sale |
| Brookfield Residential | Preferred-lender closing-cost credits and rate buydowns in its northern-metro communities | Firestone, Westminster, Denver | $350K to $600K | Brookfield Residential homes for sale |
| Challenger Homes | Colorado Springs builder with preferred-lender closing-cost credits and finished-home pricing | Colorado Springs, Peyton | $360K to $670K | Challenger Homes homes for sale |
Ask every builder for the incentive three ways: as a permanent rate buydown, as a 2-1 temporary buydown, and as cash toward closing costs. Then compare the year-one payment and the year-five payment, not the headline number. How a credit changes the payment and what the payment really is.
Map of the builders and their price ranges
Three maps, one per region. The pins are placed at the center of each builder’s current listings in that city, so a builder with homes in three neighborhoods of Aurora shows once in Aurora. Price ranges are the current listings, least to most expensive.
New-build map: Denver metro
Tap a numbered pin to open the homes for sale near it. Open the full-size map to zoom in.
New-build map: Colorado Springs and the Pikes Peak region
Tap a numbered pin to open the homes for sale near it. Open the full-size map to zoom in.
| # | Builder · City | Homes | Price range | Homes for sale |
|---|---|---|---|---|
| 1 | Challenger Homes · Colorado Springs | 6 | $360K to $566K | Colorado Springs homes for sale by Challenger Homes |
| 2 | Challenger Homes · Peyton | 1 | $670K | Peyton homes for sale by Challenger Homes |
| 3 | Classic Homes · Colorado Springs | 24 | $260K to $1.32M | Colorado Springs homes for sale by Classic Homes |
| 4 | Classic Homes · Monument | 1 | $1.27M | Monument homes for sale by Classic Homes |
| 5 | David Weekley · Colorado Springs | 2 | $689K to $730K | Colorado Springs homes for sale by David Weekley |
| 6 | David Weekley · Monument | 1 | $760K | Monument homes for sale by David Weekley |
| 7 | Lennar · Colorado Springs | 9 | $406K to $537K | Colorado Springs homes for sale by Lennar |
| 8 | Meritage · Colorado Springs | 7 | $365K to $498K | Colorado Springs homes for sale by Meritage |
| 9 | Meritage · Peyton | 6 | $430K to $605K | Peyton homes for sale by Meritage |
| 10 | Oakwood Homes · Fountain | 1 | $460K | Fountain homes for sale by Oakwood Homes |
| 11 | Toll Brothers · Colorado Springs | 3 | $835K to $950K | Colorado Springs homes for sale by Toll Brothers |
| 12 | Vantage Homes · Colorado Springs | 10 | $570K to $1.01M | Colorado Springs homes for sale by Vantage Homes |
| 13 | Vantage Homes · Monument | 2 | $699K to $799K | Monument homes for sale by Vantage Homes |
New-build map: Northern Colorado
Tap a numbered pin to open the homes for sale near it. Open the full-size map to zoom in.
How to get every incentive
- Bring your own agent and register them on visit one. The builder pays the buyer agent. Walking in alone does not lower the price; it removes the person who negotiates for you.
- Ask for the quick move-in list and the days each home has sat. Sixty days plus is where the price cuts live.
- Get the builder lender quote and an outside quote. Compare the payment with the incentive against the payment without it at the outside rate. Read how to price the full payment.
- Ask for the incentive as cash and as rate. You want the option, because a permanent buydown beats a credit when you keep the loan more than four years.
- Negotiate lot premium, design credit and closing date separately. Builders rarely cut base price; they move on everything around it.
- Inspect a new home like a used one. A third-party inspection at pre-drywall and at final catches what the builder's walk-through will not.
Builders and their homes for sale
Every builder page below shows live MLS listings that name that builder, with counts and prices updated daily.
- Lennar homes for sale
- Toll Brothers homes for sale
- Meritage Homes homes for sale
- Pulte Homes homes for sale
- Richmond American Homes homes for sale
- Classic Homes homes for sale
- Hartford Homes homes for sale
- Dream Finders Homes homes for sale
- David Weekley Homes homes for sale
- KB Home homes for sale
- Oakwood Homes homes for sale
- Tri Pointe Homes homes for sale
- Shea Homes homes for sale
- Thrive Home Builders homes for sale
- Vantage Homes homes for sale
- Century Communities homes for sale
- Brookfield Residential homes for sale
- Challenger Homes homes for sale
New construction by city
- All Colorado new construction
- Colorado Springs new construction
- Aurora new construction
- Denver new construction
- Parker new construction
- Windsor new construction
- Johnstown new construction
- Fort Collins new construction
- Arvada new construction
- Littleton new construction
- Loveland new construction
- Castle Rock new construction
- Erie new construction
- Monument new construction
- Thornton new construction
- Berthoud new construction
- Commerce City new construction
- Brighton new construction
- Greeley new construction
- Longmont new construction
- Peyton new construction
- Firestone new construction
- Westminster new construction
- Boulder new construction
- Fort Lupton new construction
- Elizabeth new construction
- Broomfield new construction
- Timnath new construction
- Englewood new construction
- Centennial new construction
- Castle Pines new construction
- Golden new construction
- Superior new construction
- Morrison new construction
- Fountain new construction
- Lone Tree new construction
- Frederick new construction
- Lakewood new construction
- Dacono new construction
- Mead new construction
- Severance new construction
- Evergreen new construction
- Evans new construction
- Louisville new construction
- Falcon new construction
Metro districts, HOAs and the payment nobody quotes
Most new Colorado subdivisions sit inside a metro district that adds a mill levy on top of county property tax, plus an HOA. On a $600,000 new build that is routinely $300 to $500 a month more than the payment the builder's flyer shows. Ask for the total tax rate and the HOA before you fall in love with the incentive. Read how metro district taxes work.
New build or resale in 2026?
A resale seller gives about $10,000 on average and negotiates on price. A builder gives more on quick move-in inventory and holds the base price. If the payment is the problem, the builder wins. If the location is the problem, resale wins, because builders build where the land is. Compare with what resale sellers are giving.
kennarealestate.com · free guide
The Colorado Builder
Incentive Tracker
The incentives by type with their value on a $600,000 home, the question list for the sales office, the builders, and the metro district math
The simple answer
Builders are giving $10,000 to $25,000 closing credits and rate buydowns on quick move-in homes, tied to their lender. Take it as a permanent buydown if you keep the loan past four years. Add the metro district nobody quotes.
Prepared by
KENNA REAL ESTATE GROUP
Call or text 303-955-4220 · A live person answers.
Kenna Real Estate GroupPage 1 of 9
Sample from page 3: Which incentive is worth the most
- Permanent rate buydown: hundreds a month for 30 years. Builder's lender, quick move-in only.
- 2-1 temporary buydown: about $616 a month in year one, $315 in year two on a $480,000 loan.
- Closing cost credit: $10,000 to $25,000 cash at closing, capped by the loan type.
- Lot premium waived: $5,000 to $40,000. Ask; it is rarely advertised.
The rest arrives by email
What is inside (9 sections)
- 1Which incentive is worth the most
- 2The sales office question list
- 3The builder's lender or yours
- 4Metro districts and HOAs
- 5Quick move-in or to-be-built
- 6Inspect it like a used house
- 7The builders
- 8The tracker: compare communities
- 9The checklist, and who to call
Get the Colorado builder incentive tracker
Name, email, phone, and the PDF is in your inbox within a minute. A live person follows up once. Want to see more first? Open the guide page, or call or text 303-955-4220.
Builder-paid closing costs are the most common incentive. What they are covering: closing costs for Colorado buyers.
Want the incentive list for a specific community?
Text the community name to 303-955-4220. A live person calls the sales office and sends you the current offer the same day.
Call or text 303-955-4220Search new constructionQuestions people ask
What incentives are Colorado builders offering in 2026?
Closing cost credits of $10,000 to $25,000, 2-1 and permanent rate buydowns through the builder's lender, design credits, waived lot premiums and price cuts of 3% to 8% on finished quick move-in homes.
Do I have to use the builder's lender to get the incentive?
In most cases, yes. Get an outside quote anyway and compare the full payment with the incentive against the payment without it.
Can you negotiate the price of a new construction home in Colorado?
Base price rarely moves. Incentives, lot premiums, design credits, closing costs and closing dates all move, and finished homes that have sat 60 days or more get real price cuts.
Do I need a real estate agent to buy from a builder?
You do not have to have one, but the builder pays your agent and the sales office represents the builder, not you. Register your agent on the first visit or the builder will not pay them.
Which Colorado cities have the most new construction?
Colorado Springs, Aurora, Denver, Parker, Windsor, Johnstown, Fort Collins, Arvada and Littleton lead, with 70 to 430 new-build listings each.
Is a builder rate buydown better than a resale seller credit?
On payment, the builder buydown wins because it is larger and permanent in many cases. On price and location, resale wins. Compare the full monthly payment, including metro district taxes and HOA, before you decide.
Today's Colorado mortgage rates
A builder buydown lowers your rate from the market rate, so check today's Colorado mortgage rates before you compare incentives.
New construction homes for sale in Colorado, updated daily
720 Properties Found
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$1,650,000
Coming Soon
5
Beds
5
Baths
3585
Sqft
4.6
Acres
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MLS#: IR1070785
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Beds
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