Depends on what you want. If something you really want and can not be done by yourself(like rough-in), you have to let builder do it. But I don't think there are many. Many changes are not applicable to the townhomes. You have to go over the list. Others can be done by yourself, like color, floor. For Park place, I think $10k is good enough for some small changes for the frame,as well as hard wood floor for the living room, some upgrades for your kitchen(like floor, cabinet...but not big). If you don't trust yourself, just let them do it. The upgrades for their model house (just for a townhouse) cost $100k.