New construction homes in Huntsville, AL — with someone on your side
Builder incentives can stretch the same budget further than most of the resale market right now. I negotiate them for you — I represent the buyer, never the builder.
Incentives are leverage. Use it.
With today's rates, builders compete for qualified buyers with incentives that resale sellers often can't match. The trick is knowing which incentives are real money, which lender strings are attached, and what else is on the table if you ask.
- Closing costs paid by the builder
- Rate buydowns — temporary (2-1, 3-2-1) and permanent
- Upgrade credits, fences, blinds, appliances
- Lot premiums waived, extended warranties
- Quick-move-in homes priced to close this month
What a builder-paid buydown saves you
As low as 4.99% on new construction
Huntsville-area builders are paying to bring rates down right now. The best offers this month are a full 30-year rate, not a temporary buydown:
That difference is hundreds of dollars a month, every month. See every current deal.
Rates and APRs are quoted by each builder's preferred lender, require qualification, and can change or end at any time. Not a rate quote or offer of credit.
Monthly payment vs. market rate
$300,000 home · FHA, 3.5% down · full monthly payment incl. est. taxes, insurance & mortgage insurance
$400,000 home · FHA, 3.5% down · full monthly payment incl. est. taxes, insurance & mortgage insurance
$500,000 home · FHA, 3.5% down · full monthly payment incl. est. taxes, insurance & mortgage insurance
| Home price | Market 7.5% | Builder rate 4.99% | Saved per month | Saved per year | Saved, first 5 years |
|---|---|---|---|---|---|
| $300,000 | $2,454 | $1,890 | $564 | $6,766 | $33,832 |
| $400,000 | $3,222 | $2,498 | $724 | $8,688 | $43,442 |
| $500,000 | $3,991 | $3,106 | $884 | $10,611 | $53,054 |
Estimates for a 30-year fixed FHA loan with 3.5% down and the 1.75% upfront mortgage insurance premium financed. Every payment shown includes principal, interest, monthly FHA mortgage insurance, and estimated property taxes and homeowners insurance; HOA dues are not included. Market comparison at 7.5%. Builder rate 4.99% (5.299% to 5.502% APR depending on builder and loan program, as quoted by the builders' preferred lenders). *30-year total assumes the loan is kept for its full term with no refinance. Incentives and rates change and depend on the builder, lender, loan program and your qualifications. Not a rate quote or offer of credit.
From model home to keys
Range first
Preapproval and a real budget, including HOA and taxes, before we visit a single model.
Compare builders
Incentive packages, lots, standard features and resale value, side by side across communities.
Negotiate
Incentives, upgrades, lot, price and contract terms — with the builder's lender requirements spelled out.
Inspect & close
Pre-drywall and final inspections, punch list, walk-through, keys.
Active new-construction areas
Meridianville and Hazel Green along the Hwy 231/431 corridor, Harvest and Toney to the northwest, Athens in Limestone County, and higher price points in Madison.
New construction questions
Do I need my own agent to buy new construction?
The builder's on-site sales team works for the builder. Your own agent works for you — on the incentive package, the lot, the upgrades, the contract terms and the inspections. Bring your agent on your first visit; many builders require it for agent representation.
What incentives do Huntsville builders offer?
It changes month to month and community to community. Common ones: closing costs paid, temporary or permanent rate buydowns, upgrade credits, fences, blinds, appliances and extended warranties. Incentives are usually tied to using the builder's preferred lender.
What is a 2-1 buydown?
A temporary buydown lowers your rate for the first two years — for example 2% below the note rate in year one and 1% below in year two — then the rate stays at the note rate for the rest of the loan. Always look at the full structure, not just year one.
Should I get an inspection on a brand-new home?
Yes. New homes can have framing, roofing, grading, electrical and HVAC issues. A phased inspection (pre-drywall and final) plus an 11-month warranty inspection is a smart investment.
Thinking about a new build?
Get your range first, then text me the communities you like. I'll tell you which builders have the strongest incentives right now.
Financing disclosures
Not a lender. Teré Calloway is a licensed real estate agent with Capstone Realty, 7 Town Center Drive NW, Suite 201, Huntsville, AL 35806, (256) 678-7045. He is not a mortgage lender, mortgage broker or loan originator. This site does not offer, arrange or make loans and does not take loan applications. Builder incentives are paid by the builder; loans are made by the buyer's chosen lender, often the builder's preferred lender, and require credit approval.
Repayment period. The examples on this page use a 30-year fixed-rate FHA mortgage (360 monthly payments). Mortgage terms offered by lenders generally range from 10 to 30 years.
Rates and APR. The builder rate shown is 4.99% fixed for 30 years: 5.502% APR on D.R. Horton's offer and 5.299% APR on Stone Martin's FHA, VA and USDA offer, as quoted by each builder's preferred lender. The 7.5% market comparison has an estimated APR of about 8.24% on the FHA example below. The highest APR shown on this page is about 8.24%. Estimated APRs include FHA mortgage insurance and assume no other lender fees; your lender's Loan Estimate will show your actual APR.
Representative example. $300,000 home, 3.5% down ($10,500), loan amount $294,566 including the 1.75% FHA upfront mortgage insurance premium, 30-year fixed at 4.99% (estimated APR 5.70% on this FHA example). Principal and interest: $1,579.50 a month, plus monthly FHA mortgage insurance, property taxes and homeowners insurance. Total of principal, interest and mortgage insurance over 360 payments: about $598,825. Example only, not a rate quote or offer of credit. Incentives, rates and terms change and depend on the builder, lender, loan program and your qualifications.