Review the builder’s contract, completion schedule, included features, inspections, warranty, and lender requirements. A new home still deserves careful due diligence and an ownership budget based on the finished property.
Understand the contract before selecting upgrades
A model home may show items outside the base price. Confirm what is included, how changes are priced, and what happens if materials or dates change.
- Request a written specification and allowance list.
- Review deposits and cancellation provisions.
- Discuss representation before signing builder paperwork.
Plan for independent review and inspections
Ask about inspection access at useful construction stages and before closing. Review permits and completion requirements through the relevant authority and have specialists evaluate concerns.
- Keep written records of change orders.
- Ask about a walkthrough and punch-list process.
- Understand which items must be completed before closing.
Budget for the finished home
A prior tax figure may reflect a vacant lot or incomplete improvement. Ask about a realistic tax estimate, insurance, landscaping, fencing, window coverings, and utility setup.
- Confirm warranty coverage and the claims process.
- Coordinate rate-lock timing with your lender.
- Keep a housing backup if construction is delayed.
Questions that come up next
Independent inspections can identify issues and help document the property’s condition. Discuss access and timing with the builder and your inspector.
Only what your contract and specifications include. Ask for a written list and the cost of any changes.
Useful sources & next steps
Look up the tax account and contact the county treasurer. A past tax bill is not a future tax estimate.
Official state resources for contracts, property disclosures, and related addenda.
The CFPB guide to loan terms, estimated payment, and cash to close.
General real estate planning information. Your contract, property, lender, and personal situation determine the applicable requirements. Use the linked official resources and consult the relevant professional for a specific decision.