Jessica, your question reflects that you seem confused.
Ryland Homes offers terrific financing for their homebuyers. Their loan program include USDA. A Ryland Home representative can provide you with an estimate of closing costs. I spent an afternoon with clients at a Ryland Homes sales office reviewing the same concerns.
Ryland Homes is the builder and Seller's (Listing agent). If you show up without a buyer's agent you are not represented in the transaction. A buyer's agent schooled in new homes can save you money and ask questions that you might not be aware to ask
Use an agent specializing in new homes.
Brock Realty Inc.
Premier Tampa Bay brokerage. "Global Effort. Local Experience" Our Local Experience provides infinite benefits and produces positive communities where our clients and agents live, work and play. Our Global Effort delivers our commitment and professional knowledge to our clients. We are strategic, resourceful and determined. Visit http://www.brockrealty-inc.com
where you can sign up for a FREE Listing book account which allows you to search the MLS in real time and receive morning reports on new listings, current pendings and recent solds.