Your questions about buying a DR Horton home, answered

Timelines depend on whether you buy a spec home already in progress or build from the ground up. Spec and quick-move-in homes are often ready in roughly 90 days, while a home built from the ground up typically takes around five to seven months. Your Polk County specialist can confirm the current timeline for any specific community and lot.

The process generally starts with choosing a community and floor plan, then signing a purchase agreement with an earnest-money deposit. You are typically asked to apply for financing shortly after, often within about a week of signing. During construction there is a pre-drywall orientation to review your selections, and you finish with a final walkthrough and closing. Your specialist guides each step.

Incentives vary by community, inventory, and promotional window, and are often tied to using the builder's preferred lender. Common offers include closing-cost credits and rate buydowns on select inventory. Because these change frequently, the best move is to ask your specialist what is available today for the specific community and floor plan you want.

Closing costs for new construction in Florida include title, taxes, lender and origination fees, and prepaids, and they can add up beyond your down payment. Builder incentives can offset or cover a meaningful portion of these costs, especially when you finance through the builder's preferred lender. Your specialist can walk through the numbers for your specific purchase.

You do not have to use a Realtor, but having one is valuable. An experienced new-construction agent understands builder contracts, negotiates on your behalf, helps you compare communities, and stays involved through the walkthrough and closing. With The MC Collective, you get that advocate at no extra cost to you.

By working exclusively with DR Horton, The MC Collective concentrates its expertise on a single builder. That means we know the communities, models, lots, and incentives across Polk County in depth, so you get clear comparisons and straight answers instead of a generalist juggling many builders.

The MC Collective covers DR Horton new construction across Polk County and the surrounding Central Florida region, including communities in Lakeland, Winter Haven, Davenport, Haines City, Lake Wales, and the Poinciana corridor. You can explore the full community index on our Communities page.

It depends on your goals. New construction gives you a home you can customize, modern efficiency, a builder warranty, and no immediate maintenance, while resales may offer established landscaping and a faster close. Our guides walk through the trade-offs so you can decide with confidence.