New construction loan

[Xavier Mc holder]

Hey so I am purchasing a new construction property with some added upgrades that I have paid for out of pocket in full to the builder. The bank I am dealing with wants to add the amount of the upgrades to the Total sales price. Have any of you experience this before? should I look for another lender ?

I don’t see the benefit of doing this? Including the upgrades will mean that I now will be paying for them long term through my loan correct or am I missing something?