When buying new construction in Utah, you have two fundamentally different paths: a spec home (already built or under construction) or a dirt build (you buy a lot and choose a floor plan). Each has real advantages — and real trade-offs.
Spec Homes: Speed and Certainty
A spec home is one the builder started without a specific buyer in mind. It may be move-in ready, or it may be weeks from completion. Either way, you know exactly what you're getting: the lot, the floor plan, the finishes — no surprises.
- Move-in timelines of 0–90 days
- Finishes already selected (you see exactly what you're buying)
- Often eligible for rate lock immediately (less rate risk)
- Builders are more motivated to negotiate on price and incentives
- No design center decisions — less stress, faster process
Dirt Builds: Customization and Control
A dirt build means you sign a contract, then visit the design center to choose your finishes before construction begins. You'll typically wait 6–10 months for completion.
- Choose your lot (corner, cul-de-sac, backing to open space)
- Select all finishes to your taste
- Upgrade strategically at design center pricing
- Choose your floor plan from available options
- More time to prepare financially (close in 6-10 months)
If you need to move within 90 days or want rate certainty right now, go spec. If you have 6+ months and want to personalize, a dirt build is worth it — but budget an extra $20–50K for design center upgrades beyond what's included.
The Hidden Advantage of Spec Homes in a Down Market
When builder inventory is sitting, spec homes become negotiating leverage. A builder carrying a completed home pays carry costs every month. That urgency means more room to negotiate lot premiums, rate buydowns, and closing cost credits.
Questions to Ask Your Agent
- How long has this spec home been on market?
- What's included vs. what's an upgrade in this community?
- What floor plan options are available for dirt builds?
- What's the current completion estimate and how firm is that?
- Can we negotiate the lot premium on a dirt build?
Have questions about this topic? We can walk you through it for your specific situation.