Best End of Year Builder Incentives You Don't Want to Miss

The end of the year is one of the most overlooked opportunities for buyers—especially when it comes to new construction. As builders work to close out their fiscal year, move remaining inventory, and lock in Q4 numbers, many of them roll out their biggest incentives of the entire year. If you’ve been thinking about buying a new construction property, this is the moment to pay attention.

Right now, large and mid-sized builders are motivated. They want their spec homes sold, they want clean books going into January, and they’re willing to offer incentives that you will not see in the spring market. That includes interest rate buydowns, price reductions, free upgrades, closing cost assistance, and credits that can dramatically reduce your cash to close.

Below, we’ve rounded up the top end-of-year builder incentives in Utah, message your Red Sign agent for full list of inventory! 

Top 10 Builder Incentives (2025 Year-End)

1. Edge Homes 

Incentive: Currently offering up to 9% in seller concessions that can be used to reduce purchase price, cover closing costs, or buy your rate down. Example on a $500,000 home, that is $45,000 in your pocket!

Details: Must close by December 19th. Reach out to your Red Sign Agent for details.

2. Lennar Homes 

Incentive: 1.99% Rate For First Year (7/6 ARM) 

Details: Displayed rates include a 2-1 temporary buydown on a 7/6 Adjustable Rate Mortgage. Rate is reduced by 1% in Year ONE. Full note rate applies starting in Year TWO through Year SEVEN. Reach out to your Red Sign Agent for details.

3. DR Horton

Incentive: 3.875% (7/6 ARM) or 5.875% with 0% Down
Details: Available for select communities while supplies last. Reach out to your Red Sign Agent for details.

4.Alpine Homes

Incentive: Get $15k for clos­ing costs and inter­est rate buydowns!
Details: AF Cross­ing in Amer­i­can fork has two quick move-in homes avail­able along North Utah lake with clos­ing costs and inter­est rate buy­down incen­tives.Reach out to your Red Sign Agent for details.

5. Visionary Homes

Incentive: up to $60,000 in savings for select homes.

Details: Must close by December 31st. Reach out to your Red Sign Agent for details.



6. Fieldstone Homes

Incentive: 4.5% Rate Lock for 5 Years

Details: On select homes with preferred lender. Reach out to your Red Sign Agent for details.



7. Ivory Homes

Incentive: Rate lock in the 4% Range.

Details: Reach out to your Red Sign Agent for details.



8. Arive Homes

Incentive: Each move in ready has own incentive from 2-1 buydown to 4.99% fixed rate.

Details: Reach out to your Red Sign Agent for details.



9. Woodside Homes

Incentive: $20,000 in seller concessions on select move-in ready homes.

Details: Must close by December 31st, Reach out to your Red Sign Agent for details.



10. Richmond American Homes

Incentive: 3 Options - Options 1: FREE FINISHED BASEMENT. Option 2: receive up to 6% of the purchase price in incentives-usable toward Home Gallery options, closing costs, or a rate buydown. Option 3: 3.99% 30yr on FHA or VA Loan.

Details: Reach out to your Red Sign Agent for details.

11. Salisbury Homes

Incentive: $10,000 Seller Paid Concessions

Details: Must close by December 31st, Reach out to your Red Sign Agent for details.

Why Builders Offer Their Best Deals Right Now

Here’s what makes the end of the year such a strategic time for buyers:

1. Year-End Financial Targets

Builders have quotas to hit and inventory they need off the books before the new year. This creates real motivation to negotiate.

2. Carrying Costs Add Up

Vacant spec homes cost builders money every month—taxes, utilities, insurance. The longer they sit, the worse it gets. Incentives help them move inventory faster.

3. Market Slowdown = Buyer Advantage

Winter months naturally see fewer buyers in motion. Builders respond by rolling out deals that won’t be available once spring demand picks back up.

4. Rate Buydowns Stretch Your Buying Power

Many builders partner with preferred lenders to offer 2-1 or even 3-2-1 buydowns, getting buyers into significantly lower payments for the first few years.

5. Upgrades and Credits You Normally Pay For

Design center credits, appliance packages, landscaping allowances—these add thousands in value you don’t typically see outside year-end.

How to Maximize These Incentives

A few tips to get the best possible deal:

• Have your pre-approval ready so you can move quickly.
• Compare incentives across builders—some may look better on paper but pencil differently depending on your loan scenario.
• Ask about spec homes; these are usually where the biggest credits show up.
• Leverage the builder’s urgency—right now, you have bargaining power.

Final Thoughts

If you’ve been waiting for the right moment to step into new construction, this is it. Builders are more motivated now than at any point in the year, and the incentives can save you thousands. Whether you're looking for a move-in-ready spec home or wanting to lock in a build for next year, taking action before December 31st puts you in the strongest position.

When you’re ready, a Red Sign Agent can walk you through each builder’s current offers, help you compare incentives, and set up tours for any communities you're interested in.

Want the full list of this month’s builder promotions? Just reach out and we’ll send it over.