New Construction Homes in Sacramento: 7 Step New Home Buyers Guide to Sacramento CA 

Looking for a place to call home? Discover new construction homes in Sacramento. Sacramento, California is a busy city with so much to offer, from a rich history to a range of outdoor recreation and entertainment. The hot, dry summers and short, chilly winters make it a popular destination for new homebuyers to purchase their forever home.

New homes in Sacramento CA offer a variety of benefits, including energy efficiency, lower maintenance, and warranties. Before you start shopping, there are a few things you should keep in mind.  

Purchasing a new construction home differs from purchasing an existing one, and brings its own set of considerations — from narrowing down your location, to choosing a home builder, to selecting the perfect features, and more.  

In this guide, we’ll walk you through everything you need to know to feel prepared for purchasing a new construction home in Sacramento.  

7 Steps to Buying a New Construction Home in Sacramento, CA 

Step 1: Decide Where in the Sacramento Area You’d Like to Live 

Location is everything when it comes to finding the next place to settle down, whether it’s by yourself or with loved ones.  

As one of the country’s most diverse cities, you’ll love what Sacramento has to offer. No matter where you live within the city, you’ll find top educational opportunities, a great job market, and a culturally diverse lifestyle. Whether you’re into history, art, or the great outdoors, there’s something for everyone nearby. You’ll also be close to highways, an airport, and public transit for ease of commuting and traveling.  

Can’t wait? Start your life in Sacramento today! Browse our selection of new homes in Sacramento and find the perfect space to start your new journey. 

Here are a few of the top places to live in Sacramento: 

Rancho Cordova 

Outdoor enthusiasts will love creating memories in Rancho Cordova. There’s an abundance of activities to take part in at the American River, like fishing, kayaking, and rafting. Up the river at Lake Natoma and the Sacramento State Aquatic Center, you can canoe, stand-up paddle board, or row.  

If water activities aren’t for you, enjoy the American River Parkway Bike Trail, perfect for bikers of all ages. Sports fans can also rejoice, since Rancho Cordova is the state’s unofficial Sports Tournament Capital – where you can enjoy cheering at both amateur and professional tournaments.  

For those interested in the California gold rush history, you’re at the right place in the heart of Gold Country! The Marshall Gold Discovery State Historic Park is your exploration hot spot.   

While you’re enjoying Northern California, why not experience a relaxing day of wine tasting at nearby wine country? There are also plenty of dining and shopping experiences, including Folsom Premium Outlets,® where you can scoop up the latest trendy items. 

Interested in Rancho Cordova? Come see our full selection of new construction homes in Rancho Cordova or contact us today to learn more about new K. Hovnanian homes for sale in Rancho Cordova, CA.  

Roseville 

Take in all that Roseville has to offer, from plenty of outdoor activities, to historical sites and shopping.  

Enjoy the gorgeous California natural landscape as you walk, hike, or bike through Miners Ravine Trail. You can bring the whole family along, and even the dog if they’re on a leash! Another way to get your heart pumping is by watching the races at All American Speedway. 

Westfield Galleria is one of the top choices for all your shopping needs, where you can also grab a snack or stop for a meal to fuel up. If you’re not looking for the latest trends, you can find vintage treasures at Antique Trove, where you’ll peruse through 40,000 square feet of timeless pieces.  

Interested in Roseville? Come and see our selection of new construction homes in Roseville or contact us today to learn more about new K. Hovnanian homes for sale in Roseville, CA. 

Wheatland 

If you’re looking for small-town charm, Wheatland is the city for you. But don’t be fooled – just because Wheatland has that small-town feel doesn’t mean there’s nothing to do.  

Enjoy a stroll through Wheatland’s historic downtown to support unique mom and pop shops. You’ll find lots of entertainment options nearby, with your close proximity to Toyota Amphitheatre, wineries, and breweries. For educational fun, check out the Powerhouse Science Center, Sacramento Children’s Museum, or Sacramento Zoo. 

Interested in Wheatland? Come and see our selection of new construction homes in Wheatland or contact us today to learn more about new K. Hovnanian homes for sale in Wheatland, CA.  

Rancho Murieta 

Rest easy in Rancho Murieta, a quiet, gated community that offers tranquility and peace of mind. Enjoy a life of leisure taking in the breathtaking natural scenery, exploring the Rancho Murieta Country Club, or visiting the Murieta Equestrian Center. Enjoy nearby conveniences like the Murieta Marketplace, and a range of local shopping and dining options.  

Whether you’re a young professional purchasing your first home, a growing family looking for more space, or an active adult entering your golden years, you can live a life of luxury in Rancho Murieta. 

Interested in Rancho Murieta? Come and see our selection of new construction homes in Rancho Murieta or contact us today to learn more about new K. Hovnanian homes for sale in Rancho Murieta, CA.  

Dixon 

Want small-town charm with big-city convenience? Dixon’s the spot for you! Nestled in beautiful Solano County, you’ll live with easy access to major commuter routes, shopping, dining, and entertainment. You’re also not far from a weekend getaway to the Bay Area, Napa, Sacramento, or Tahoe.  

At K. Hovnanian’s® Four Seasons at Homestead, you can enjoy an active adult 55+ community with resort-style amenities, low-maintenance living, a warm and welcoming atmosphere, and beautiful new single-family homes.   

Interested in Dixon? Come and see our selection of new construction homes in Dixon or contact us today to learn more about new K. Hovnanian homes for sale in Dixon, CA.  

Step 2: Choose The Type of New Home You Want to Live In 

Some benefits of homeownership apply no matter what kind of home you live in – you’ll have freedom to personalize as you wish, and you’ll be building equity over time by owning rather than renting. 

But there are also key differences between different kinds of homes, which are important to consider. 

Let’s look at some common options for new construction homes in Sacramento CA. 

Single-Family Homes 

When you picture a generic home, you probably picture a single-family home. This is a detached structure meant for one family unit (whatever family may look like to you), a single-family home is a great choice for anyone prioritizing privacy and space – whether that means more bedrooms, a backyard, or plenty of space for everyone to comfortably relax. 

While you may still have neighbors next door, you won’t share an interior wall with them, and you’ll have an amount of outdoor space to yourself. You’ll also have the opportunity for renovation and expansion – though you’ll also be responsible for repairs and maintenance. 

While single-family homes can cost more than some alternatives, they can also be a savvy financial investment to make. 

Townhouses & Condos 

A townhouse is a place where you’ll share one or more walls with your neighbors. While they’re built up against one another, townhouses can be as spacious as a single-family home, often including amenities like backyards, decks, garages, and pools.  

A condo is a residential unit in a larger building. You may have units next to, above, and/or below you. Some differences between townhomes and condos include privacy, HOA fees, rules, and amenities.  

Multi-Generational / Extra Suites 

Multi-generational living has become more popular over the years. This can look like parents moving in with their adult children, adult children moving home with their parents, or providing housing for an au pair or extended guests, and more.   

Investing in an Extra Suite can help enhance your lifestyle to spend more quality time with your loved ones comfortably. It’s a special way to design your added space for added personalization. 

Step 3: Choose Which Type of Community is Right for You 

Sacramento is home to different types of new construction home communities with various amenities and luxuries based on your needs. Whether you’re looking for a safe and gated community, large homesites for added space for your growing family, or a 55+ community, you’re sure to find the right fit in sunny Northern California. 

Types of Sacramento New Construction Home Communities 

Active 55+ Community: For those who are 55 years or older, these resort-style communities offer luxurious homes with minimal maintenance and plenty of activities and amenities like social clubs, fitness centers, and transportation services. Enjoy your golden years challenging friends to a game on the court, taking a dip in the pool, or exploring the dog park with your furry friend. You’ll have so many things to do and neighbors to see in this exciting chapter of your life in our tranquil communities. 

Family-friendly neighborhoods: From pools, playgrounds, and walking trails, your loved ones of all ages will enjoy living in these vibrant and welcoming neighborhoods. They are often located near schools and other family-friendly activities. 

Gated Community: Rest easy with a sense of security, quieter neighborhoods, and reduced through-traffic in gated communities that makes it safer for kids to play and neighbors to chat. The homes in these communities are closed off to non-residents with a gate or similar physical barrier like a wall or fence. 

Golf communities: Golfers, rejoice! In a golf community, you’ll typically have the luxury of access to a private golf course on top of other amenities like clubhouses, pools, and tennis courts. This is a great community option for those who want to live where they can easily make their tee time without needing to commute too far. 

Master-planned communities: Usually designed with a theme like a Mediterranean village or a Tuscan villa, these communities have various architectural styles to choose from and plenty of amenities. Enjoy parks, pools, clubhouses, shopping centers and more. Master-planned communities are a great option for those who prefer convenience nearby. 

Mountain communities: Nestled in the mountains, these communities offer you the opportunity to enjoy the great outdoors and all it has to offer from biking, hiking, and more. Take in the fresh air and natural setting with your loved ones in a beautiful mountain community in Northern California. You’ll love the more remote aspect of this tranquil lifestyle. 

Quiet communities: If you’re looking for a more peaceful neighborhood, a quiet community is for you! There may be fewer amenities compared to a master-planned community or a family-friendly neighborhood, but you have access to more privacy and space. 

Waterfront communities: Easily enjoy your favorite water sports and activities living at a waterfront community. Boat, fish, and swim to your heart’s content! This option is perfect for those who practically live in the water all year round. You’ll love the relaxing atmosphere and convenient access to the water. 

HOA or No HOA 

An HOA, or Homeowners Association, is like a mini government formed within a neighborhood. If you’re part of the HOA, you’ll likely be interested in helping to regulate and maintain the community. 

HOAs have their advantages and disadvantages. While some homeowners might dislike all the regulations on things such as exterior decorating, others enjoy the high level of maintenance that HOA communities upkeep. You get an overall sense of community as well as amenities such as neighborhood events, high property values, and conflict resolution. 

Step 4: Consider Whether to Build Your New Home or Move in Now 

Timing is everything! Consider your timeline before making your move. Do you wish to move in immediately? Do you prefer to take your time and not rush? Take note of the types of new homes available before your house hunting begins to ensure you’re searching for the home that best suits your needs and timeline both.  

New construction homes offer advantages like adhering to new building codes, the latest technology, and high energy efficiency standards, to name a few. Find out the differences between a few common new home options. 

To-Be-Built Homes 

To-be-built homes are new construction homes that are purchased prior to the home being built. This is a popular option among homeowners who want to have a say in the planning and designing phase since it allows for more personalization of your property. After you purchase your lot, your home builder will help you choose personalized options such as floors, countertops, fixtures, and more.  

Move-In Ready Homes 

If you’re all packed and ready to go, a move-in ready home may be the choice for you! These types of new homes are already completed, so you won’t have to worry about spending the time to choose your interior features. It’s like when you visit a model home and everything’s already set up as if you could move in that day. With a move-in ready home, you can! This is perfect for if you have a tight moving schedule.  

Spec or Quick Move-In Homes 

If you want to be part of the design and décor part of your new home, but also don’t wish to wait too long for it to be built from the ground up, a spec or quick move-in home may be your best bet. This option is for a new home that’s almost completed, but there’s time for you to personalize it before it’s fully completed to better suit your style.  

Step 5: Find the Right Sacramento Home Builder 

It can be overwhelming to find the right home builder in Sacramento, but we’ve got you covered. Here are some steps to get you started: 

• Schedule an Appointment or Tour a Model Home — While you can view images and videos on a Sacramento home builder’s website, there’s nothing like seeing a home in person to truly picture yourself and your loved ones living in the space. We’d recommend starting your search online, but ultimately visiting in person.  

• Discuss Exterior & Interior Design Options — Your new home’s exterior and interior designs are what make it so special and unique to you and your family. Be sure you’re aware of how much personalization you’ll have based on the type of home you choose and your home builder’s offerings on flooring, tiles, cabinets and more. 

At K. Hovnanian Homes, we’re proud to offer our innovative “Looks” interior design collections (available at select communities), making great design easy, user-friendly, and transparent. In a simple, streamlined process, we walk you through cohesive aesthetic design styles, such as Farmhouse and Loft style, while leaving plenty of options to personalize your home.  

• Check Home Builder Incentives, Lending Options & Special Offers — It never hurts to see what your home builder offers in terms of discounts, financing, and promotions.  

Some Sacramento home builders may be willing to offer incentives to make homeownership a reality for you.   

Step 6: Prepare Your Finances and Finalize Your Mortgage 

Buying a home can be one of the biggest purchases you make, so understanding how your mortgage works is a crucial step.   

Here are some steps on how to prep your finances and finalize your mortgage:  

1. Get pre-approved for a mortgage. This will give you a better idea of how much you can afford to borrow and will make your offer more attractive to sellers.  

2. Save for a down payment. The larger your down payment is, the lower your monthly bill will be.  

3. Check your credit score. Your credit score is going to affect the interest rate you’re offered for your mortgage.  

4. Shop around for a mortgage lender. You’ll want to compare interest rates and fees from different lenders before you make your final decision. Be sure to check for any special offers from your home builder, too!  

5. Read the closing disclosure carefully. This is a document that outlines all your mortgage terms, which is important to understand prior to your signing.  

After you’ve finalized your mortgage lender and agreed to the terms, then you’ll finalize the whole process. Here are a few things to keep in mind for that:  

• Closing costs. On top of your monthly mortgage payment, you’ll be required to pay closing costs. The costs can vary, but typically range from 2%-5% of your home’s purchase price.  
• Escrow account. An escrow account is a separate account that holds money for your property taxes and homeowners’ insurance. The lender collects money from you monthly and deposits it into the escrow account.  
• Title insurance. The title insurance protects you in case there are any problems with the property title. 

While the process may seem overwhelming at first, when buying a K. Hovnanian home, we offer multiple free resources to avoid common stumbling blocks and help you sail through the process. Our in-house mortgage company, K. Hovnanian® American Mortgage, L.L.C.™(KHAM), also offers a variety of loan programs to work with your budget and needs. Reach out to a KHAM representative today to learn more. 

Step 7: Get Ready for Your New Home in Sacramento, CA 

Congratulations on getting through our first six steps of buying a new home in Sacramento, CA!   

We understand the full moving process — from decluttering, packing, planning, furniture, and design choices to your actual move-in day — is undeniably complex.   

Getting ready to move into your new home can be both exciting and stressful at the same time. If you start planning since there are so many things to do, you can make this process go smoothly.  

Here are some tips on how to get ready to move into your new construction home:  

• Pack early. If you start packing early, you’ll avoid last-minute stress.  
• Start a moving checklist. This helps you visually keep track of everything that needs to be completed before, during, and after your move. Plus, checking off those items can make you feel extra accomplished when you’re stressed.  
• Set up utilities and connectivity. Ensure your electric, gas, water, internet, and phone services are all set up and ready to go for your move-in date so you can relax in your new space properly.  
• Take safety precautions for children and pets. Ensure your new home is safe for children and pets to play and explore upon moving in.  
• Unpack our belongings slowly and carefully. Take your time to enjoy the unpacking process while you get settled into your new home.  

Here are some additional tips:  

• Label your boxes clearly. There’s nothing more frustrating than wondering where you packed one specific item that you need ASAP after moving, but not knowing where it’s located. Save yourself that headache and label your boxes very clearly from the start. Don’t just go with “office items” either! Get specific like, “office supplies: markers, tax forms, books…”   
• Pack a “first night” box. This should include all the items you anticipate you and your family will need to spend the first night in your new home. Think of toothbrushes, toilet paper, any medication, pajamas, or sheets.  
• Don’t forget the small stuff. Small essentials that can be easily forgotten may include batteries, light bulbs, and cleaning supplies.  
• Ask for help. It’s always a good idea to ask for help. Lean on your family and friends who have an extra hand to help you pack, move, or unpack.   

Moving into a new construction home in Sacramento can be a lot of work, but it’s an exciting time. By following our tips, you can make this experience more enjoyable.  

So, are you ready to start your new life in Sacramento? Visit K. Hovnanian Homes and browse our selection of new homes in Sacramento CA today. With a wide variety of styles and floor plans to choose from, we’re sure you’ll find the perfect home for your needs and budget. And with our convenient location and amenities, you’ll be able to enjoy all that Sacramento has to offer.  

K. Hovnanian American Mortgage, L.L.C. 3601 Quantum Boulevard, Boynton Beach, FL 33426. NMLS #3259 (www.nmlsconsumeraccess.org). Licensed by California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Lic. DRE#4130532. 

Last Updated on January 9, 2024