Denver Builders Are Paying to Get You In a New Home

Richmond is letting buyers pick their poison: apply the incentive toward closing costs, a permanent rate buydown, or a 2% reduction on the purchase price. With HomeAmerican Mortgage, a 2-1 buydown drops your first-year rate dramatically.

Expires April 30, 2026 on select homes

Lennar's "Everything's Included" program bundles upgrades that normally cost $30K+ into the base price — granite, SS appliances, smart home, full basement. Layer that with their 2-1 buydown and you're looking at seriously low monthly payments in year one.

Limited quick-move-in homes available now

Shea is stacking incentives: a $60K "flex incentive" you can use toward design upgrades or a rate buydown, plus up to $20K in closing cost credits when you finance through Shea Mortgage. One of the richest incentive packages in the metro right now.

Limited inventory — some plans already sold out

Dream Finders is running their Grand Slam Open House Event through April 30. Rate buydowns are available on select homes, and buyers who visit model homes before month-end unlock additional incentives. Quick-move-in homes available for buyers who need to close fast.

Open house event ends April 30, 2026

Multiple regional builders in Castle Rock, Aurora, and Commerce City are buying down mortgage rates into the mid-5% range — permanently, for the life of the loan. That's $400–$500+ per month in savings vs. a market-rate loan. Loveland builders are also offering deep discounts on late-2024 inventory.

Inventory moving fast — especially Loveland

Inventory in Denver is up nearly 20–30% year-over-year, putting real pressure on builders. Builders are responding with the most aggressive incentive packages seen in years — but as rates ease and inventory tightens, these deals will disappear.

The 30-year fixed currently sits around 6.11% — and with a builder buydown, you could be at 4.50–5.50% instead. That's a $600+/month difference on a $600K loan.