Agree with @chispa

Pay the upcharge to have the tile you want installed from the beginning for all the reasons she mentions. Terrazzo is a great idea. I'd go with as large a format as you can find to minimize grout lines.

My floors a porcelain (great) with a lighter grout (not great). I decided to go that route because we have a pool and I didn't want to have to patrol family and friends because of hardwood. Huge mistake on my part. I should have chosen engineered hardwood.

Keeping up with the grout is exhausting.

Do it now, as it should include allllll the flooring, alll the baths.

Yes, one floor.

Or ......Do an engineered wood and tile the baths.

You will save nothing in the wait and the re do with base boards doorways......cabinetry, tubs shower.

Just not worth it.

MY advice bite the bullet now and pay the money to have it done you willin the long run save headaches and money. I like porcelain tile simple not pattern or ridge look if the floor is pretty perfect then reall y large format tile is lovely but usually a 12 x24 tile stacked pattern and matching grout works best and is also easy for most every tile setter. I do not like tile floors for both knees and backs but it does make sense in hot climates . If you like warmer colors then try a nice taupe in ashade that works with your stuff. Have you looked at LVP just asking a lot cheaper to have installed for sure We have in our walk out that leads to a dog run from one door and the pool to the other 17 yrs later still looks like new.

It will not be a savings in any way to do an immediate tear out and replacement of something like extensive tile. Plus whatever finishes go in the house are included in and possibly an overall small part of the mortgage, while redoing the floors will be separate, maybe out of pocket. One of the reasons people overbuild and then have an underfurnished house with paper blinds on the windows is because you can't mortgage furniture.

I don't know - taking out carpet is easy. Builder carpet is very inexpensive and markups very high on upcharges. Yes - removing tile is not great.

I personally hate tile because of grout lines and hard floors. I am always a fan of wood everywhere except actual shower floors.

One thing to consider is tile installation costs. Get a real quote now if you can. You might think the builder's charge is reasonable at that point. If you will be taking a max mortgage, then factor that in also - the idea that you can work it into mortgage if you have the builder do it. And then the 7% which may or may not be tax deductible.

Have the builder install an upgrade tile for the tiled areas now. Do the carpeted areas after you move in. Make sure you can get the tile needed as a match.

Thanks for all your input. As it turns out, the builder allowed us to make changes prior to the flooring being installed. We picked out a 12x24 porcelain tile that will be installed (stacked) in the whole house. It is exactly as we wanted it, and at a surprisingly reasonable price for the upgrade. No builder grade carpet, no builder grade 12x12 tile, no builder grade laminate, yeah!

Make sure the areas that were to receive carpet the floor construction is appropriate for porcelain tile installation.

^^^^^

And insist on an uncoupling membrane under the tile, even if it's an extra, even if the builder insists it's unnecessary.

And if you choose a light grout, urethane and epoxy versions stay light.