$10,000.00 for closing costs, rate buy-down or price reduction REGARDLESS of lender–quartz countertops–laminate on entire main floor–large loft on second floor–vaulted ceiling in master bedroom–large walk-in closet in master bedroom–walk-in closet in secondary bedroom–separate tub and shower in master bath–dual sinks in master bath–front yard landscaping included–decorative concrete wall on rear boundary.