$10,000.00 in closing costs, rate buy-down or price reduction REGARDLESS of lender–Quartz countertops–42″ upper cabinets–painted cabinets–laminate on entire main floor–vaulted ceiling in master bedroom–double shower head in master bath–dual sink in master bath, separate shower and toilet room in secondary bath–large walk-in closet in master bedroom–walk-in closet in secondary bedroom–Decorative concrete wall along rear boundary