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Builder incentives on new construction in Davis County, rate buydowns, closing-cost credits, and upgrade allowances, are emerging as a real affordability lever in a market where the Q2 2026 median single-family price sits at $568,450. A Utah state program also offers up to $20,000 at 0% interest for qualifying first-time buyers on new homes priced at $450,000 or less. Here’s how these tools work, where they overlap, and how to use them without leaving money on the table.