If you’ve always assumed a newly built home is just not in your budget, you should know the math just got a little friendlier.

You may have seen the headlines lately about mortgage debt in America hitting a record high.

It’s one of the biggest hold ups some buyers have right now: “What if I buy, and home prices go down?”

Most sellers come into the market with one number in mind. And it’s often the one that costs them the most.