What are incentive monies ?
Is this money from the builder ? Sorry, I’ve only bought 4 houses in my life and the newest one I ever bought was 33 years old, so I don;t know much about buying newly built homes.
How much are you putting down ?
Sometimes loan program have limits to the amount of funds that can be paid by the seller for closing costs. In the old days (mid-1990s) this was typically limited to 3% and could only be applied to closing costs.