How to Buy a New Construction Home in Florida

How to Buy a New Construction Home in Florida

A new construction home in Florida gives you a house no one has lived in, plus builder incentives that can lower your monthly payment. However, the buying process works a little differently from a resale purchase. You follow the builder's contract and the builder's timeline. Buying new construction in Florida comes down to seven steps. You get pre-approved, bring your own agent, choose a builder and lot, negotiate the contract, make design selections, schedule inspections, and close. A quick move-in home can be yours within weeks, while a to-be-built home takes closer to six to nine months.

Across Central Florida, many builders are offering rate buydowns and closing cost credits on New Construction…

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Mortgage Rate Buydown Costs and Florida Builder Offers

Mortgage Rate Buydowns and How Florida Builders Use Them on New Homes

Mortgage rates just above 7 percent have made the monthly payment the first number most Florida buyers look at. For many buyers, especially first-time buyers, that payment decides which homes stay on the list. A mortgage rate buydown lowers your interest rate for the first few years of the loan or for its full term. The cost is paid upfront, and on New Construction Homes across Central Florida, the builder often pays it for you.

Builder-paid buydowns are now one of the most common incentives on new homes around Orlando and Kissimmee. They also appear on many new Homes For Sale in Davenport. How each buydown is set up and what it costs will decide how one builder's offer…

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Florida Builder Incentives in 2026

Florida Builder Incentives in 2026

Builders across Central Florida are spending roughly 7 to 8 percent of the sale price on builder incentives in 2026, according to the John Burns Homebuilder Survey, against a historical norm closer to 2 to 3 percent. On a typical Davenport or Kissimmee new build, the combined package can be worth $25,000 to $35,000. The money reaches buyers four ways. Builders selling new construction homes in Central Florida are buying down mortgage rates, cutting list prices, contributing toward down payments, and covering closing costs. Each one changes your numbers in a different place, and knowing where each dollar lands decides which one to push for.

Why Are Builders Offering Incentives in 2026?

Builders in the Disney…

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Central Florida Real Estate Recap of August 2026

Central Florida Real Estate Recap of AUGUST 2026

State of the Market

• The median home price for August was recorded at $400,676, down from $410,494 in July.
  
  • The median home price in August 2025 was $403,222.
• August’s interest rate was recorded at 6.7%, up from 6.5% in July.
  
  • Interest rate data is sourced from Freddie Mac, a government-sponsored enterprise that tracks national mortgage market trends and publishes weekly average mortgage rates.
• Homes spent an average of 64 days on the market (DOM) in August, holding steady with July.
• Overall sales fell by 8.9% from July to August.…

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Reunion Resort vs Champions Gate: Which Should Vacation Home Buyers Pick?

Reunion Resort vs Champions Gate: Which Should Vacation Home Buyers Pick?

Drive south from Disney on I-4 and you pass two of Central Florida's best-known golf resorts within a few minutes of each other. Reunion Resort covers 2,300 acres in Kissimmee with three signature courses and a mix of condos, villas, and estate homes. Champions Gate sits just west of exit 58 in Davenport, built largely by Lennar around two Greg Norman courses, the Omni hotel, and the Oasis Club. Both are gated, both attract second-home and investment buyers, and both keep Walt Disney World within about 15 minutes.

For buyers weighing Reunion vs Champions Gate, the choice usually comes down to four things. Reunion offers more golf, more variety in home styles, and a…

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Disney Vacation Homes Under $500K: 8 Communities Where Buyers Win in 2026

Disney Vacation Homes Under $500K: 8 Communities Where Buyers Win in 2026

A four-bedroom townhome with a private splash pool, ten minutes from Magic Kingdom, that pays part of its own mortgage through nightly rentals. That combination is real in Central Florida, and a $500,000 budget reaches more of it than most first-time buyers expect. Vacation homes under $500K near Disney cluster in a handful of resort communities built for short-term rental owners, each with its own price tier, rental rules, and drive time to the parks.

Shopping the corridor's vacation homes near Disney World by community rather than listing by listing shows where the budget goes furthest. The eight communities below are ranked by value, starting with the lowest entry and…

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Storey Lake vs Solara Resort: Two Top Kissimmee Vacation Home Picks Compared

Storey Lake vs Solara Resort: Two Top Kissimmee Vacation Home Picks Compared

Kissimmee has more short-term rental resorts than any other city in the Disney corridor, and two of them come up in nearly every buyer conversation. Storey Lake sits on the east side near Osceola Parkway, close enough to the parks that guests plan their day around the drive. Solara Resort sits on the west side along Westside Boulevard, built around an amenity campus that guests plan their day around instead. Both are gated, both are zoned for nightly rentals, and both were built by national builders within the last decade.

The Storey Lake vs Solara decision comes down to what you want the home to sell to guests. One resort sells proximity and a lower entry price. The…

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Closest Vacation Home Communities to Disney World: 8 Picks Within 15 Minutes

Closest Vacation Home Communities to Disney World: 8 Picks Within 15 Minutes

Most families who rent a vacation home near Disney plan their week around the parks, and the drive back to the house is part of every day. A ten-minute trip after fireworks feels very different from a thirty-minute one with tired kids in the back seat. Guests filter for proximity first and pay more for it. Homes inside the 15-minute ring book earlier in the season, stay booked longer, and earn some of the highest nightly rates in Central Florida.

That premium is the reason vacation home communities near Disney deserve a closer look before you widen your search. The eight resorts in this guide each sit within about 15 minutes of a Walt Disney World entrance at off-peak…

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How Much Do Disney Vacation Rentals Really Earn? A 2026 ROI Breakdown

How Much Do Disney Vacation Rentals Really Earn? A 2026 ROI Breakdown

A themed six-bedroom pool home fifteen minutes from Walt Disney World can book more than 200 nights a year and gross over $90,000. That top-line number is what sells vacation homes. It is not what you keep.

What you keep is measured by the disney vacation rental cap rate, a property's yearly net income divided by its price. In 2026, a professionally managed Disney-area rental usually returns between 4% and 6%, and owner-managed homes return more. Two identical-priced homes on the same street can still earn very differently. The gap comes down to how often each books and how well it is run.

What Disney-Area Vacation Rentals Bring In Each Year

Income comes down to how…

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Central Florida Real Estate Recap of July 2026

Central Florida Real Estate Recap of JULY 2026

Orlando Regional REALTOR® Association data shows Central Florida home sales cooled slightly in July following June's seasonal peak.

State of the Market

• The median home price for July was recorded at $410,494, down from $416,308 in June.
  • The median home price in July 2025 was $402,655.
• July’s interest rate was recorded at 6.5%, holding steady with May and June.
  • Interest rate data is sourced from Freddie Mac, a government-sponsored enterprise that tracks national mortgage market trends and publishes weekly average mortgage rates.
  • In ORRA’s recent mid-year member survey, 64% of surveyed local REALTORS® report buyers are choosing to wait for rates to drop, while…

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