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

Builder incentives in Central Florida change by the week, and most of them expire on a date tied to a phase release or a closing deadline. This page lists verified current incentives, promotions, and quick move-in (spec) inventory across the communities this site covers, noted by builder and community, with each offer's financing conditions. It was checked and updated on this run (October 29, 2026), and every figure here should be confirmed with the builder or the GPG Team before you plan around it.

How to read this list

Each entry names the builder, the community, and what the offer is, and flags whether it is tied to financing through the builder's affiliated lender. Most advertised rate and credit offers in Central Florida require the builder's mortgage company, and the same offer is often smaller or unavailable with an outside lender. Offers that have passed their published deadline sit in the recently ended section at the bottom of the page, so it is clear what is live and what has lapsed. Pricing, incentives, and availability change without notice.

Sunbridge (St. Cloud)

• Craft Homes by Dream Finders, Weslyn Park at Sunbridge: Dream Finders' St. Cloud quick move-in page advertises rates starting as low as 1.99% (6.185% APR) on select quick move-in homes, extended through November 30, 2026, and Craft Homes' Biggest Savings of the Year event lists a quick move-in at 6683 Wake Street, St. Cloud 34771, at $554,989. The official Weslyn Park community page itself shows no quick move-ins at the moment, so the rate offer is the main published spec incentive right now. The low-rate advertising is tied to builder financing; confirm eligibility and lender conditions with the sales team.
• Del Webb Sunbridge (55+): the current offer is First Class Fly & Buy, providing up to $4,000 toward round-trip travel when you attend a sales presentation and purchase a new home in the community. Verified quick move-ins this run include a Mystique at 6282 Snow Tree Lane at $538,520 (reduced from $568,520, about $30,000 in savings), with third-party listings also showing a home at 2617 Hammock Harbor Avenue at $368,726 and another at 6323 Dew Drop Loop at $579,766. Confirm the current travel-offer deadline and the current quick move-in list with the sales team.
• ICI Homes (custom, Weslyn Park): custom homes list from about $743,900 to $921,900, including the Pablo at $874,900, the Brooklyn at $889,900, and the Palos Verdes at $877,900, with a move-in-ready Brooklyn at 6695 Tentpeg Way at $889,900. No rate special, closing credit, or preferred-lender program was published in the sources reviewed for this run.
• Toll Brothers, Weslyn Park (final opportunity): about three quick move-in homes remain, from $819,995, including the Bunnell and Larue plans. Current mortgage promotions on the St. Cloud quick move-ins include a 3.25% (6.02% APR) first-year FHA 30-year fixed with a 2/1 buydown and a 5.49% (5.76% APR) 30-year fixed, both through Toll Brothers' lender. Confirm current availability with the sales team.
• Taylor Morrison, Heron Bay: sales have not opened. The first Orange County neighborhood at Sunbridge is planned for late 2026 with about 526 homes, and no incentive is published before the launch.

EverBe (East Orlando)

Pulte Homes is the active builder at EverBe, listing from about $410,990 with about 12 quick move-in homes as of October 16, 2026 (NewHomeSource). Verified per-home examples on Pulte's listings for this run include a Dylan at $524,990 (reduced from $538,890, about $13,900 in savings), another Dylan at $524,990 (reduced from $559,400, about $34,410 in savings), a Julep at $449,990 (reduced from $468,590, about $18,600 in savings), a Julep at $474,890, a Mabel at $579,990 (reduced from $588,490, about $8,500 in savings), a Haddock at $544,990 (reduced from $568,690, about $23,700 in savings), a Coral at $674,990 (reduced from $696,070, about $21,080 in savings), and AllGen homesites from $423,290. A model at 10130 Hadley Street advertises $43,000 in savings. Savings figures are per home and move as specs sell, so treat them as examples, not a standing menu. Pulte's Affiliate Incentive Program applies incentives toward closing costs, including discount points, when financing through Pulte Mortgage; Pulte states financing through Pulte Mortgage is not required. A limited-time special financing offer with a July 31, 2026 contract deadline has lapsed, so confirm the current rate offer with the sales team.

Horizon West and Ovation (Winter Garden)

• M/I Homes, Lake Star at Ovation: homes list from about $499,990 to about $1,075,990, with about eight to ten quick move-ins. Limited-time financing through M/I Financial includes 4.875% (5.765% APR) on a 7/6 ARM fixed for seven years, 5.50% (5.954% APR) on a 30-year fixed for the Jensen plan, and 5.875% (5.962% APR) for the Serenity plan, plus a Long-Term Rate Lock with Float-Down Bonus. Verified quick move-ins include a Jensen at 17142 Beachgrass Alley at $499,990, a Newport at 17419 Water Hemlock Road reduced from $971,445 to $899,990 (estimated completion December 2026), and a Newport at 17955 Lake Star Road reduced from $989,320 to $929,990 (estimated completion November 2026). Rates run through M/I Financial; confirm the current window with the sales office.
• Taylor Morrison, Harvest at Ovation: currently advertises up to $100,000 in savings on select Orlando-area homes, including up to $85,000 in builder incentives available to buyers regardless of financing and $15,000 toward closing costs, with community pricing from $503,999. The earlier 5% cash-buyer discount with a September 30, 2026 deadline is no longer the listed offer; confirm the current structure with the sales office.
• K. Hovnanian, Osprey Ranch: a conventional 7/6 ARM rate from 4.99% (5.822% APR) is offered on select eligible quick move-ins with contracts signed September 30 through October 31, 2026 and closing on or before November 30, 2026. Verified quick move-ins include 12331 Silk Mimosa Alley at $639,990 (five bedrooms, available November 2026), with other quick move-ins listed from about $579,990 to $919,990. Community starting prices run from about $554,990 with about 16 quick move-ins listed, and the community markets no CDD.
• Toll Brothers, Westhaven at Ovation: a limited-time 5.49% (5.76% APR) 30-year fixed is advertised on select homes, and quick move-ins offer a 3.99% (6.04% APR) first-year rate on a 30-year fixed with a 2/1 buydown. Verified Townes quick move-ins include a four-bedroom home at 13877 Easdale Alley at $649,000 and a three-bedroom home at 13861 Easdale Alley at $524,000. Collections run Townes townhomes from $437,995, Bungalows from $504,995, and Retreat single-family from about $871,995. Advertised rates assume financing through Toll Brothers' lender; confirm current terms with the sales gallery.
• D.R. Horton, Waterleigh: from $436,990 with about 27 new homes including 18 quick move-ins as of October 13, 2026 (NewHomeSource), with homes listed up to about $917,281. Verified quick move-in examples include an Ibis townhome from $436,990, a Cordale single-family from $536,990, and homes at 16821 Hobe Sound Court at $525,000 and 16534 Barbours Creek Way at $464,990. The Main Street Stars program offers up to $1,000 toward closing costs for military, law enforcement, fire, healthcare, and education professionals; D.R. Horton incentives typically run through DHI Mortgage.
• Pulte, Parkside Trails (Wellness Way, on the Clermont edge of Horizon West): the community page advertises $39,000 in savings on select quick move-in and AllGen homes, with a verified Foxtail townhome at 4580 Orchard View Alley at $419,990 (reduced from $438,990, about $19,000 in savings) and another townhome at 4596 Orchard View Alley at $417,790. Advertised promotional rates through Pulte Mortgage expire on their own deadlines; confirm the current rate with the sales team.
• Lennar (Horizon West and Winter Garden): remains active across the newer villages, and the Orlando-area Fall Super Sale applies to its communities across the metro, but no community-specific late-October dollar figure was published in the sources reviewed for this run. Confirm current offers on Lennar's Winter Garden pages or at the sales center.

St. Cloud

• KB Home, Canoe Creek Reserve: starting prices verified this run include Reserve I from $297,990, Reserve II (Grand Opening) from $333,990, and Reserve III from $328,990 to $348,990. KB Home's advertised rate specials include a 5/1 FHA ARM from 4.99% (5.781% APR) through KBHS Home Loans, KB Home's affiliated lender. Confirm the current rate window with the sales office.
• M/I Homes, Eden at Crossprairie: from about $552,990, with M/I Financial offers including Holiday of Homes lower payments with a 2/1 buydown, a 4.875% (5.765% APR) 7/6 ARM fixed for seven years, a 5.875% (5.962% APR) 30-year fixed conventional on select quick move-in homes that close by December 31, 2026, and a Long-Term Rate Lock with Float-Down Bonus. Verified Lancaster quick move-ins list at $624,990.
• Lennar (St. Cloud communities including the Cottage Alley Collection at Crossprairie): the Orlando-area Fall Super Sale offers a promotional FHA 5/1 ARM at 4.5% (7.637% APR) fixed for the first five years, up to $35,000 in price reductions on select homes, and up to $5,000 in Flex Credit toward closing costs, a homesite premium, or a price reduction, through Lennar Mortgage. The Cottage Alley Collection lists about four quick move-ins priced from $359,690 to $391,190. Offers apply to select homes; exact amounts vary by community and home.
• D.R. Horton, Preston Cove: homes list from about $324,990 to $544,990, and the Main Street Stars program offers up to $1,000 toward closing costs for qualifying professionals. A specific quick move-in markdown with an August 2 deadline has lapsed, and D.R. Horton's promotional rate buydowns typically run through DHI Mortgage, so confirm the current quick move-in list and rate with the sales office.
• Meritage, The Meadow at Crossprairie: the current campaign is New Season. New Home. New Savings, with rates as low as 4.99% (5.621% APR) on select move-in-ready homes in Orlando. Community pricing starts from about $404,990 (Bungalows from about $387,000 and Townes from about $313,000), and verified quick move-in examples include a Hibiscus at 4513 Sidesaddle Trail at $424,990, a home at 4542 Eagle Perch Court at $399,990, one at 4528 Eagle Trail Bend at $404,990, and one at 4522 Eagle Trail Bend at $420,000, with about 11 Townes quick move-ins listed. Confirm the current rate window with the sales office.

ChampionsGate and Davenport

• Lennar: the Orlando-area Fall Super Sale offers a promotional FHA 5/1 ARM at 4.5% (7.637% APR) fixed for the first five years, up to $35,000 in price reductions on select move-in-ready homes, and up to $5,000 in Flex Credit toward closing costs, a homesite premium, or a price reduction, through Lennar Mortgage. Verified Davenport examples include a home at 5630 Enfield Way at Providence showing a $25,000 reduction with Lennar Mortgage and a Riviera quick move-in at 5212 Dagenham Drive reduced from $526,094 to $490,094. The campaign's published contract window (September 28 to October 4, 2026, with close by November 30, 2026) has passed, so confirm with the sales center whether a current window is open before planning around it. Exact amounts vary by community and home.
• Pulte, Hartford Terrace (Davenport): verified quick move-ins include a Springdale at $284,790 (reduced from $297,790, about $13,000 in savings), a Whitmore at $419,990 (reduced from $456,290, about $36,300 in savings), a Talon at $378,990 (about $1,000 in savings), and a Yellowstone available now at $485,000. Base plans list from about $301,990. Advertised promotional rates require financing through Pulte Mortgage LLC; savings figures move as homes sell, so confirm the current list with the sales office.
• KB Home (Davenport communities): a rate-buydown contribution with an October 31, 2026 contract deadline was captured this run, requiring a signed purchase agreement by October 31, 2026, financing with KBHS Home Loans, and a rate lock within 30 days, with KB Home advertising rates as low as 4.99% (5.781% APR) on a 5/1 FHA ARM. Confirm the current window with the sales office.
• Meritage (Davenport communities): the 2026 National Sales Event has offered a fixed rate as low as 3.75% (4.734% APR) on select Orlando-area quick move-in homes with closing-cost assistance during 2026. Verified examples include homes at Citrus Landing such as 3307 Rocks River Road at $385,600 and 3316 Rocks River Road at $370,800. Confirm the current rate window with the sales office.
• Del Webb Orlando (Ridgewood Lakes, near ChampionsGate): the community is built out as new construction with resale homes only, so no builder incentive applies to new homes there.

Lake Nona, Clermont, and Winter Garden

• Mattamy, Meridian Parks (Lake Nona): from about $382,990 with 7 quick move-ins and 15 floor plans. A limited-time Year-1 buydown rate of 3.99% (6.784% APR) is offered on select quick move-in homes when using Mattamy Home Funding (based on a 5.99% FHA fixed mortgage), plus the Your Home Your Way savings offer on select ready-to-build homesites. Verified quick move-in examples include a home at 11713 Tidal Alley Trail at $445,000 and Catalina II townhomes at $414,390 and $420,104, ready February 2027.
• Toll Brothers, Alora (Lake Nona): a 2/1 buydown on a 30-year fixed brings the first-year rate to 3.99% (6.04% APR), with specials from $499,995 as documented in a September 2026 tracker that published no deadline, so confirm the current window with the sales gallery.
• Lennar, Storey Park and Tohoqua (Lake Nona): no community-specific dollar incentive was verified on this run. Tohoqua's Lennar Townhome Collection starts from $389,990 with available quick move-ins, and the Orlando-area Fall Super Sale applies to select homes metro-wide. Confirm current offers with the sales center.
• D.R. Horton, Waterleigh (Winter Garden): from $436,990 with about 27 new homes including 18 quick move-ins as of October 13, 2026, and the Main Street Stars program offers up to $1,000 toward closing costs for qualifying professionals, typically through DHI Mortgage.
• Pulte, Winter Grove (Winter Garden): the community page advertises $125,000 in savings on select estate and quick move-in homes, with homes from the $800,000s. Verified quick move-ins include a Coral Grand at 346 Crystal Wood Drive at $899,000 (about 3,147 square feet) and a Ruby at $960,280 (about 2,960 square feet). An earlier 30-year fixed rate special carried March and June 2026 deadlines and has lapsed; confirm the current rate with the sales team.
• Pulte and other builders (Clermont and Lake Nona): no community-specific figure with a current deadline was verified for these markets on this run, so confirm current offers at each sales center.

Recently ended offers (archived)

These offers passed their published deadlines before this run's update, and they are listed so the record is clear. A builder often re-issues a similar promotion for the next phase, so ask whether a current version exists before assuming the incentive is gone.

• Del Webb Sunbridge: up to $50,000 in Flex Cash on select homesites, published with a September 7, 2026 purchase deadline, and the Up to $50,000 of Possibilities offer, published with a September 30, 2026 purchase deadline, typically applied through Pulte Mortgage.
• M/I Homes, Lake Star at Ovation: Game Time: Ready. Set. Move. seasonal offer, published for September 8 through October 11, 2026.
• K. Hovnanian, Osprey Ranch: the prior promotional period (contracts August 31 through September 30, 2026, closing by October 31) advertised a 3.75% 7/6 ARM; the current period is the 4.99% 7/6 ARM listed above.
• Taylor Morrison, Harvest at Ovation: the 5% off the base price for cash buyers special carried a September 30, 2026 deadline and has been superseded by the current savings offer listed above.
• Lennar: a separate tracker listed up to $100,000 in Flex Cash on select homes with an October 18, 2026 deadline, which has passed; the current Orlando-area campaign is the Fall Super Sale listed above.
• Pulte, EverBe: a Limited-Time Special Financing offer on select homes purchased by July 31, 2026 has expired; ask the sales team whether a current version exists.
• Pulte, Winter Grove: a 30-year fixed rate special at 4.990% (5.081% APR) applied to homes contracted by March 30, 2026 and closed by June 30, 2026 and has lapsed.
• Pulte, Parkside Trails: a 7/6 ARM promotional rate of 3.990% (5.518% APR) carried a July 31 deadline and has lapsed, and the up to $40,000 savings offer with an October 18, 2026 purchase deadline has been superseded by the current $39,000 savings on select quick move-ins.
• D.R. Horton, Preston Cove: a specific quick move-in markdown (600 Preston Cove Drive, reduced from $352,990 to $324,990) carried an August 2 deadline and has lapsed.