--- title: "The Treasure Coast New Construction Buying Process | NewHomesTC" description: "Step-by-step guide to buying a new construction home in Florida, from builder selection and reservation to design center, financing, walk-throughs, and closing" lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "RealEstateAgent", "name": "New Homes Treasure Coast", "url": "https://newhomestc.com", "image": "https://newhomestc.com/og-default.jpg", "logo": "https://newhomestc.com/og-default.jpg", "slogan": "Florida's Treasure Coast new construction experts", "description": "The most comprehensive resource for new construction homes on Florida's Treasure Coast. 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The builder pays the commission either way; without an agent, the builder simply keeps it. An experienced buyer's agent helps negotiate incentives, review contracts, and protect your interests." } }, { "@type": "Question", "name": "How much earnest money is required?", "acceptedAnswer": { "@type": "Answer", "text": "Most Treasure Coast builders require 5–10% earnest money, with luxury builders requesting up to 20%. Most of this is non-refundable once you pass contingency periods." } } ] } ] --- Planning to visit a model home? Let us register you with the builder first so we can represent you and negotiate on your behalf. [Learn why](/buyer-representation) [(772) 284-1419](tel:+17722841419) [New Homes Treasure Coast ](/) - [Home](/) - Communities - [Builders](/builders) - Treasure Coast - Explore - Resources - [Our Team](/about) - [Contact](/contact) [Schedule a Tour](/contact) ![The Treasure Coast New Construction Buying Process](/assets/guide-buying-process-_IPRXfj6.jpg) [All Guides](/guides) Buying Guides # The Treasure Coast New Construction Buying Process Step-by-step guide to buying a new construction home in Florida, from builder selection and reservation to design center, financing, walk-throughs, and closing day. Buying a new construction home on the Treasure Coast follows a different path than a resale transaction. There is no MLS listing, no inspection-period negotiation, and the seller is a builder with their own contracts and timelines. ## The new construction buying journey 01 Pre-approval Lender letter + priorities 02 Tour with agent Register on first visit 03 Reserve & contract 5–10% deposit 04 Design center Lock options early 05 Construction 7–11 months typical 06 Closing day Walk-through + keys In this guide 1. 1. [Step 1: Get pre-approved and define your priorities](#step-1-get-pre-approved-and-define-your-priorities) 2. 2. [Step 2: Tour communities with a buyer's agent](#step-2-tour-communities-with-a-buyer-s-agent) 3. 3. [Step 3: Reserve the homesite and sign the builder contract](#step-3-reserve-the-homesite-and-sign-the-builder-contract) 4. 4. [Step 4: Design center and structural options](#step-4-design-center-and-structural-options) 5. 5. [Step 5: Construction phase and walk-throughs](#step-5-construction-phase-and-walk-throughs) 6. 6. [Step 6: Closing day and warranty period](#step-6-closing-day-and-warranty-period) ## Step 1: Get pre-approved and define your priorities Most Treasure Coast builders require a lender pre-approval letter before reserving a homesite. Define your must-haves first, county, city, school zone, lot premium tolerance, and timeline. ## Step 2: Tour communities with a buyer's agent Bring your own buyer's agent on the FIRST visit. Builders cover the agent commission, but only if your agent registers you on the initial walk-in. This is the single most expensive mistake new construction buyers make. ## Step 3: Reserve the homesite and sign the builder contract Reservation deposits run $1,000–$10,000 and convert into the contract deposit (typically 5–10% of price). Florida builder contracts are non-standard, review escalation clauses, change-order rules, and contingency language carefully. ## Step 4: Design center and structural options Within 2–4 weeks of contract you'll select cabinets, countertops, flooring, and any structural options. Lock in upgrades early, most are non-refundable and locked at this point. ## Step 5: Construction phase and walk-throughs Treasure Coast new construction typically takes 7–11 months from permit to closing. Expect a pre-drywall walk-through and a final orientation walk. ## Step 6: Closing day and warranty period Final walk-through, lender funding, and key handoff happen the same day. Your 1-year workmanship warranty starts at closing, keep a punch list. ## Frequently Asked Questions ### Do I need a real estate agent for new construction? Yes, and you must register them on your first visit. The builder pays the commission either way; without an agent, the builder simply keeps it. An experienced buyer's agent helps negotiate incentives, review contracts, and protect your interests. ### How much earnest money is required? Most Treasure Coast builders require 5–10% earnest money, with luxury builders requesting up to 20%. Most of this is non-refundable once you pass contingency periods. ## Keep researching - [Vero Lake Estates, $285,900 – $462,900](/communities/vero-lake-estates) - [Hampton Park, $369,990 – $534,293](/communities/hampton-park) - [Venetian Grove, $300,000 – $500,000](/communities/venetian-grove) - [Pineapple Preserve, Call for pricing](/communities/pineapple-preserve) - [Maronda Homes floor plans & pricing](/builders/maronda-homes) - [LGI Homes floor plans & pricing](/builders/lgi-homes) - [Meritage Homes floor plans & pricing](/builders/meritage-homes) - [Treasure Coast Property Taxes: County-by-County Breakdown](/guides/property-taxes) - [Homeowners Insurance for New Construction in Florida](/guides/insurance-florida-new-homes) - [Flood Zones on the Treasure Coast: What Buyers Need to Know](/guides/flood-zones) - [Compare all Treasure Coast communities](/communities) - [Browse every active builder](/builders) ## Want a personalized walk-through? Talk to a Treasure Coast new construction specialist for builder-specific incentives, lot recommendations, and current pricing. [Talk to a Local Expert](/contact) ## Related Guides [ ![New Construction vs Resale Homes on the Treasure Coast](/assets/guide-vs-resale-Cnt4S8k0.jpg) Buying Guides ### New Construction vs Resale Homes on the Treasure Coast Read Guide ](/guides/new-construction-vs-resale) [ ![Builder Contracts Explained: What Treasure Coast Buyers Should Know](/assets/guide-incentives-D37JE3yj.jpg) Buying Guides ### Builder Contracts Explained: What Treasure Coast Buyers Should Know Read Guide ](/guides/builder-contracts-explained) [ ![Timeline to Build a Home on the Treasure Coast](/assets/guide-buying-process-_IPRXfj6.jpg) Buying Guides ### Timeline to Build a Home on the Treasure Coast Read Guide ](/guides/timeline-to-build) ## Have Questions About New Construction? Get personalized guidance on buying a new construction home anywhere on the Treasure Coast, from a local expert. [Contact Us](/contact)[Browse All Guides](/guides) [Call Us](tel:+17722841419) Treasure Coast Newsletter ## Stay ahead of new community openings & builder incentives One concise monthly email, new inventory, current builder credits, and market shifts across Brevard, Indian River, St. Lucie, and Martin counties. Monthly market updates, builder incentives, and new community openings. Subscribe No spam. Unsubscribe anytime. New Homes Treasure Coast The most comprehensive resource for new construction homes on Florida's Treasure Coast, Brevard, Indian River, St. Lucie, and Martin counties. [(772) 284-1419](tel:+17722841419)[Contact us →](/contact) Serving Brevard, Indian River, St. Lucie, Martin & Palm Beach Counties. 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