Home construction in Texas

I am building a home in the Austin area and I would love to get your insights. The purchase price of the home is $100k and I’ve paid $3k for earnest money and $2k for upgrades. Here are sample numbers: A) Loan amount is $95k and down payment is $19k. B) Loan amount will be purchase price $100k and down payment will be $15k. I feel like scenario (B) is more likely, is this true for different lenders? by ijackson439 from Austin, Texas. Dec 3rd 2021 Reply