Your builder has told you throughout the build that you're on track. One week before closing, the final number arrives. It is $43,000 more than the contract price. Every change order was approved. Nobody was adding them up.
When a builder files for bankruptcy, subcontractors stop working, your build freezes, and your deposit joins a line of creditors. Two contract terms negotiated before signing change that outcome entirely.
Change orders don't happen because buyers are indecisive. They happen because building a custom home involves hundreds of variables — and reality rarely matches a set of plans exactly.
The builder calls it transparency. You see every invoice. You know what everything costs. What you don't have is a ceiling on what you'll pay and that's the part that gets expensive.