We know that when it comes to buying a home, you’ve got questions. Our goal today? Answer the most common ones we hear, knock down a few roadblocks, and get you on the path towards your best move yet. As America’s Most Trusted® Home Builder for 11 years running, there’s no better source to help you make it all the way home. Read on, future homeowner!
How Can I Figure Out My Budget for a New Home?
There’s one word that comes to the top of everyone’s mind when it comes to buying a new home: mortgage. With the Taylor Morrison Home Funding, Inc. mortgage calculator, you can start preparing for your future monthly payments with confidence.* The best part—it’s free!
Click here to try out the mortgage calculator today.
Can I Calculate My Estimated Mortgage Payment Based on an Interest Rate?
Yes, you can with the payment/amortization calculator from Taylor Morrison Home Funding, Inc.** Calculate your monthly payment for a fixed rate or adjustable rate loan right here.
I’m Not Sure If I Can Afford a Down Payment
You’re not alone! Taylor Morrison Home Funding, Inc. offers loans with as little as 3% down—or even 0% down for VA and USDA loans through our Zero Down Payment program.***
It’s a good idea to focus on what you can comfortably afford now while exploring all the options available to you. Find out more about the Zero Down program here.
Taylor Morrison Home Funding, Inc. Can Also Help with Closing Costs
So many ways to save! For a limited time, enjoy no closing costs which include lender, title, government, appraisal, and credit report fees.****
What Kind of Credit Score Do I Need to Buy a Home?
Rest assured, you don’t need a perfect credit score to get into a new home. Taylor Morrison Home Funding, Inc. offers loan programs with credit scores as low as 600, plus their Able. Ready. Own.® (“ARO”) service is designed specifically to help improve your credit qualifications.†
Is My New Home Energy Efficient?
New homes at Taylor Morrison are smart in more ways than one:
Automation
Automated lights, thermostats, and appliances reduce energy waste and can lower your utility bills.
Smart Thermostats
ENERGY STAR® Certified smart thermostats let you control your home’s temperature from anywhere, utilize Geofencing technology to automatically adjust your thermostat, and create a pre-set schedule based on your lifestyle.
LED Lighting
LED Disk Lighting reduces electricity consumption and lowers energy bills. These lights are dimmable, last much longer than traditional bulbs, and are free from toxic materials like Mercury.
GE Appliances
We build homes that take care of you. The GE appliances that come standard in every one of our homes help ensure your space is as clean, smart, and healthy as it can be.
Can I Count on Taylor Morrison’s Construction Quality?
Our construction quality is always top of mind, and nationally recognized. Here’s just a few reasons you can believe in the integrity of your new place.
Proven Craftsmanship
- 300+ quality checks from foundation to finish
- Backed by IBACOS expertise for quality and consistency
- 140+ years of proven craftsmanship
Peace of Mind
- 1-year warranty on workmanship in most communities
- 2-year coverage mechanical systems in most communities
- 10-year warranty on structural elements in most communities
America’s Most Trusted® Home Builder for 11 Years Running
We are proud to be recognized as America’s Most Trusted® Home Builder 11 years and counting, a testament to the trust our customers place in us every day.
For more on quality construction, click here.
Thanks for Reading
We hope this blog helped answer your biggest homebuying questions. When you’re ready to buy, we’re ready to help. Get in touch with us, check out our latest finance incentives, and explore new homes today!
Mortgage calculator disclaimer
*Taylor Morrison’s Mortgage Calculator is pre-populated with either a 3.5% downpayment FHA, a 20% downpayment Conventional program and may reflect market rate or Sample Forward Commitment Rate (“FCR”). The Mortgage Calculator is for informational and illustrative purposes only, actual numbers can and will vary and estimates only are offered, and the Mortgage Calculator may not reflect your actual financial situation. All default values are hypothetical only, may not apply to your specific circumstances, and you may select other options. Current advertised home prices may not include lot premiums, upgrades, and options (depending on stage of construction). The results displayed are only examples of monthly mortgage payments and cannot be used to determine the rate or loan terms for any actual mortgage loan. Featured Home’s selling entity is not a lender, does not offer financing, and this is not a loan offer. Estimated monthly payment includes principal, interest, property tax, Mortgage Insurance (FHA), homeowners insurance and Homeowner Association (“HOA”) dues. Conventional Financing with less than 20% down payment would require Mortgage Insurance and your payment will be higher. Additional monthly assessments or fees may apply and vary by community. Rates prepopulated in the calculator for the various programs are determined by borrower’s credit profile, program, purchase price, loan-to-value, and current market rates, which are subject to change without notice. The calculator may not reflect all loan options that may be available to you. FHA and Conforming loan limits may apply. If a Sample FCR is pre-populated for the Featured Home above, the sample interest rate in the calculator for FHA sample FCR 3.5% downpayment or Conventional sample FCR 20% downpayment is an example of rates that involve a sample FCR. Taylor Morrison periodically will lock in, through its affiliated lender, Taylor Morrison Home Funding, Inc. (“Affiliated Lender”), an interest rate for a pool of funds. An interest rate that involves a sample FCR is only available for a limited time until pool of funds is either depleted or interest rate expires. The sample FCR is not available on all homes or in all communities. The Temporary Buydown feature is for illustrative purposes only and is defined as an incentive when the seller contributes an amount of money at the time of loan closing. These funds will be used by your lender/servicer to pay a portion of your regular monthly mortgage payment for a specified period of time (between 1 and 3 years, depending on the program). This will reduce your monthly mortgage payments during that period. After that period expires, your monthly mortgage payments will be due at the full amount as provided in the note. Maximum contribution limits apply. The results are not a quote, price, guideline, or estimate for any Affiliated Lender product. Other restrictions may apply. Not all borrowers will qualify. Buyers are not required to finance through Affiliated Lender to purchase a home from Taylor Morrison; however, you must use Affiliated Lender to receive a sample FCR interest rate or Temporary Buydown if available, when purchasing a Taylor Morrison home. Taylor Morrison Home Funding, Inc. NMLS #8588, 495 North Keller Road, Suite 550, Maitland, FL 32751.
This Mortgage Calculator and related information should not be construed as financial, legal, or tax advice, or as a commitment to lend. Please consult your own advisor prior to entering into the Purchase Agreement. The Mortgage Calculator and related information are provided without legal obligation on Taylor Morrison, Inc.’s affiliated selling entities, including any duty to update or correct information herein. Your actual rate, payment and costs could be higher. Please contact a mortgage lender of your choosing for actual loan information (e.g., available rates and terms) and for requirements related to loan products.
Payment/amortization calculator disclaimer
** Default amounts are hypothetical and may not apply to your individual situation. These calculators provides approximations for informational purposes only. Actual results will be provided by your lender and will likely vary depending on your eligibility and current market rates. This information is not intended to provide, and should not be relied on, for financial, legal or tax advice, or investment recommendations in evaluating your unique circumstances and lending decisions. This is not a commitment to lend. Payment shown is principal and interest (P & I) only and does not include real estate taxes, homeowners insurance, mortgage insurance premiums or homeowner’s association dues, so your total monthly payment will be higher. You should consult your lender to determine available products and rates for your desired situation. Home prices shown may not include lot premiums, upgrades and options, depending on stage of construction. Not all products and options are available in all states.
Down payment assistance disclaimer
***Down Payment Assistance is available at 3.5% or up to 5% of Total Purchase Price (as set forth on the Closing Disclosure) and is offered in the form of a Conventional fixed rate mortgage. Second lien options are repayable or forgivable, in conjunction with a 30-year fixed-rate FHA first mortgage. The amount of assistance can be used towards borrower’s minimum required investment, closing costs, prepaid items, or any combination of the three. Forgivable second lien option is forgiven after 36 consecutive on-time payments are made on the first lien. 5% forgivable second lien option is not available for high-balance FHA loan limits. Borrower must meet program guidelines. Loan limits, terms, and conditions apply.
Closing cost disclaimer
**** Limited time No Closing Costs (“Promotion”) valid on new home contracts entered as of 6/1/26 -6/30/26 (“Promotion Period”) on select Taylor Morrison homes (each, an “Eligible Home”). At closing, Seller agrees to pay up to 6% (3% NC) of the total sales price (as set forth on the Closing Disclosure) towards Promotion (which includes Lender, Title, Government, Appraisal and Credit Report Fees), discount points, prepaids, and/or escrows. Actual savings will vary by the community, floor plan, lot premium, options of home and availability.
Able.Ready.Own® disclaimer
† Qualification improvement services are provided free of charge to eligible participants and our Able. Ready.Own.® Program (“ARO”) may absorb certain related out-of-pocket costs, including the cost of consumer credit reports. Enrollment in ARO does not constitute an application for a mortgage loan or other credit. ARO Participants are under no obligation to (1) purchase a home; or (2) use Taylor Morrison Home Funding, Inc. for related mortgage financing as a condition of purchasing a new home or as a condition for obtaining any other settlement service. ARO Participants should have no expectation of, and Taylor Morrison Home Funding, Inc. expressly will not make, any guarantee as to loan approval or financial benefits, the timing of your personalized plan or a credit decision on a mortgage loan as part of the ARO Program’s services. The period for completing such services varies per individual. See ARO Brochure, Purchase Agreement and ARO Addendum for complete details.
For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.taylormorrison.com/home-financingprior to submitting offer to qualify for the finance Promotion; (2) use the services of Closing Agent selected by Seller and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria. Seller reserves the right to modify the above finance Promotion terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must use both the Closing Agent selected by Seller and finance through Affiliated Lender to receive the finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines. Maximumseller contributions apply. Not to be combined with any other incentive offer, except as otherwise expressly set forth above or in an Incentive Addendum to the Purchase Agreement. Other restrictions may apply. Taylor Morrison Home Funding, Inc. is not acting on behalf of or at the direction of HUD/FHA or the federal government. Not all Borrowers will qualify. Services not available in all states. Taylor Morrison Home Funding, Inc. NMLS #8588, 495 N. Keller Rd. Suite 550, Maitland, FL 32751. Licensed locations: AZ: #0917436 | CA: DFPI #4130023 | CO: Registration #8588, PH# (866) 379-5390 | FL: MLD1920 | GA: #52654 | IN: #DFI-66890 | NV: #3938 (branch located at 1820 Festival Plaza Dr., Ste. 220A, Las Vegas, NV 89135 PH# 702-680-1085) | NC: #L-191654 | OR: #ML-4272 | SC: #MLS-8588 | TX: #8588 | WA: #CL-8588 | www.nmlsconsumeraccess.org
All information (including, but not limited to prices, views, availability, school assignments and ratings, incentives, floor plans, exteriors, site plans, features, standards and options, assessments and fees, planned amenities, programs, conceptual artists’ renderings and community development plans) is not guaranteed and remains subject to change, availability or delay without notice. Any community improvements, recreational features and amenities described in marketing materials are based upon current development plans, which are subject to change and under no obligation to be completed. Maps and plans are not to scale, are not intended to show specific detailing and all dimensions are approximate. Eligible Homes’ current prices shown in marketing may not include lot premiums, options or upgrades (depending on stage of construction). Eligible Homes subject to prior sale. Community Association or other fees may be required. This is not an offering in any state where prohibited or otherwise restricted by law. Please see a Taylor Morrison Community Sales Manager or visit www.taylormorrison.com for additional state or community specific disclaimers, licensing information or other details (as applicable). © June 2026, Taylor Morrison, Inc. and its respective affiliated selling entities (collectively, “Taylor Morrison”). All rights reserved.
