New Construction Costs & Builder Warranties in the U.S.

New-build buyers should review the purchase contract, included finishes, upgrade pricing, deposit schedule, estimated closing expenses, HOA fees and completion timing. Builder warranties and statutory protections differ by state and builder, so check the written warranty, exclusions, claim process and any state-specific requirements. Consider an independent inspection where permitted by the contract and local rules.

This general guide is not a state-specific legal or warranty opinion.

Planning checklist

• Confirm local rules, fees and eligibility with the relevant state or local authority.
• Request written estimates from your lender, title/settlement provider and closing professional.
• Keep a contingency for prepaid expenses and charges that depend on the property or transaction.

For educational planning only. This page is not legal, tax, lending or financial advice. Rules and costs may change.