Before you decide anything, confirm the $100,000 gap is real. Check whether that cheaper sale is in the same development with a similar floor plan, square footage, and upgrade level. Builders often move price through concessions rather than headline cuts, and upgrade levels vary a lot from one home to the next. A true $100,000 difference is significant unless you are in a very high price bracket. If the gap holds up, run two numbers before you walk: - Your deposit. Is it refundable, or does walking forfeit it? - The re-buy math. Could you actually buy something comparable for meaningfully less, even after losing the deposit and the $18,000 in upgrades? Also go back to the builder and ask about a price adjustment, closing-cost help, or rate assistance. Builders would often rather keep the sale than lose it. There is no clean right-or-wrong answer here. Buyers who purchased near a peak and simply held for the long term, for the right reasons, have generally been fine. If you bought this as a long-term home and the payment still works, a short-term paper loss matters less than it feels like it does. Run the deposit and re-buy math first, then decide.