I would also like to highlight the sentiment that you really need to be careful about what upgrades you make through the builder and which you don't. Remember that the $12 per square foot cost of laying tile is going to be amortized over the length of your mortgage ... 25 years? 35? In the end, it is going to cost A LOT more than $12 per square feet.
If this is a place you are planning on staying in for any length of time, I'd suggest not getting the builder to do upgrades like tile, etc ... you can save some money (or even take out a loan on a shorter term, if absolutely needed) and get it done later at probably at least half the cost.
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