The Buyer's Guide | Central Florida New Construction

Advice · Process · Money · Inspections

The buyer's guide to new construction.

Sixteen guides that cover the whole process end to end: how to buy, how to compare new versus resale, how to judge builder financing and incentives, how rate locks and extensions work on a long build, what to do if you are selling your current home to buy new, what the build timeline really looks like, how the design center works, what deposits and closing costs look like, what builder warranties cover, how to research schools, what to inspect at every phase, what the final walkthrough and closing day involve, what CDD fees mean for your monthly costs, and how investors can evaluate a new build. Written for Central Florida buyers by Tyler Gibson of the GPG Team.

A new Central Florida community at golden hour with stucco homes, tile roofs, and palm trees along a wide street.

Start here · Process · 8 min read

Buying new construction in Central Florida: the step-by-step

From choosing a community and a lot to negotiating the contract and closing, here is the sequence most Central Florida new-build buyers actually follow.

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The full set

All guides

16 guides · 12 topics · updated 2026-10-22

A lakefront town center in Horizon West with shops, cafe tables, and new homes behind the tree line. Compare

7 min read

New construction vs. resale in Central Florida: which one fits your plan

New builds trade customization and years of low-maintenance living against resale's established neighborhoods and immediate closings. Here is how to weigh them.

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A printed floor plan spread across a drafting table with a pen, a wooden house model, and a coffee cup. Financing

6 min read

Builder financing vs. a traditional mortgage

Builders can offer rate buydowns and closing cost credits, but an incentive is only worth something if the rate beats a real quote. Here is how to compare.

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A single-family home under construction in Florida with exposed wood framing and roof trusses against a bright sky. Timeline

6 min read

From contract to closing: the Central Florida new build timeline

Permits, foundation, framing, drywall, finishes, and the punch list. The phases every new build goes through, and where delays usually sneak in.

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Modern two-story homes and townhomes along a central waterway with a pedestrian path in a new East Orlando community. Money

5 min read

New construction incentives: rates, upgrades, and closing costs, explained

Rate buydowns, closing cost credits, upgrade allowances, and referral offers. What each one is worth and where the fine print hides.

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A contractor's laser level and measuring tools on a fresh concrete driveway during a pre-closing inspection. Inspections

7 min read

The new construction inspection checklist

A pre-drywall inspection, a third-party inspection before closing, and a careful final walk save buyers from costly surprises. Here is what to check at each stage.

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A planned Florida community seen from above at golden hour: new tile-roofed homes along curving streets, a retention lake, and a neighborhood park sharing the same infrastructure. Money

7 min read

What is a CDD in Florida? Community Development Districts, explained

A Community Development District (CDD) is how many Central Florida master-planned communities pay for roads, water, sewer, and parks up front. Here is how the fees work, where they show up on your tax bill, and what to ask before you sign.

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A new-home design center showroom with rows of cabinet door samples, countertop slabs, and flooring samples under warm lighting. Design Center

9 min read

The new home design center: what to expect, what it costs, and how to budget

The design center appointment is where you pick the finishes for your home. Here is what happens, when it happens, how options and upgrades are priced, and how to walk in with a budget instead of guessing.

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A closing table with a signed document stack, a pen, house keys, and a calculator in a bright office. Money

10 min read

Deposits and closing costs on new construction in Central Florida

Earnest money deposits, lender and title fees, prepaids, and builder transaction costs: how they work on a new build, what is typical, and the questions that keep the total cash needed at closing from surprising you.

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A newly built stucco Florida home with a tile roof, fresh landscaping, and rolled blueprints on a sawhorse in the foreground. Warranty

9 min read

New home builder warranties in Florida: what is covered, for how long

Workmanship, systems, and structural coverage: how typical new-home warranties are structured in Florida, what is usually excluded, how claims work, and the role of inspections before coverage ends.

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A modern two-story Florida school building with a covered walkway, palm trees, and fresh landscaping on a sunny morning. Schools

8 min read

Schools and new construction in Central Florida: how to research before you buy

School zones follow the address, not the community name, and they can change. Here is how to verify which schools serve a specific new home, how growing areas get new schools, and how to research on your own.

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A lender's desk in warm window light with a printed loan estimate, a rate sheet, a calculator, reading glasses, and a small wooden house model. Financing

13 min read

Rate locks and new build timelines: how mortgage rate locks really work

A rate lock holds your mortgage rate while your home is being built, but a new build stretches the lock in ways a resale does not. Here is how locks, extensions, float-downs, and builder lender incentives actually work.

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A moving truck backed into the driveway of a new stucco Florida home with a tile roof and palm trees, boxes on a dolly in warm late-afternoon light. Selling

14 min read

Selling your home to buy new construction: timing, contingencies, and bridge financing

Coordinating the sale of your current home with a build completion date is one of the hardest puzzles in new construction. Here is how sale contingencies, bridge loans, and lease-backs actually work.

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A bright empty new Florida home during a final walkthrough: a punch list clipboard and blue painter's tape on a kitchen counter, warm daylight through large windows. Closing

12 min read

The final walkthrough and closing day on a new build

The walkthrough is your last structured chance to catch problems before you own the house. Here is when it happens, what to check, how punch lists work, and what closing day actually looks like.

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A new two-story stucco townhome community at golden hour with young landscaping and a retention pond and walking path in the foreground. Investing

15 min read

New construction for investors: what to evaluate before buying a new build as a rental

New construction rentals trade lower early maintenance and strong tenant appeal against higher fees and financing complexity. Here is a neutral framework for running the numbers on a new build in Central Florida.

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Modern two-story homes and townhomes along a central waterway with a pedestrian path in a new Central Florida community. Money

11 min read

Current builder incentives in Central Florida: the live list by community

Verified builder incentives, promotions, and quick move-in inventory across Sunbridge, EverBe, Horizon West, St. Cloud, and the ChampionsGate corridor, updated on October 29, 2026.

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Reading is good. Picking a lot is better.

Ask your new-construction questions directly, or start with the community files.