How much equity do you have? Are you shopping it around?
And yes if you put down a huge downpayment/CCR you aren’t getting that money back if something happens. You can use it towards initial taxes, fees, msd, but not advisable to use as additional cap cost reduction.
Depends on how the captive structures it and also your state for incentives not added to selling price. I’m located in PA where incentives are not taxed.