Exhibit 12

NVR, Inc.
Ratio of Earnings to Fixed Charges

	YTD
	June 30, 2008			2007			2006			2005			2004			2003
Earnings
NVR, Inc. consolidated
Pre-tax income from continuing operations		159,592			539,505			962,971			1,144,419			872,005			696,172
Minority interest (income) expense		5			(25	)		4			21			16			21
Less: Equity income from subs		(343	)		(1,060	)		(1,334	)		(1,435	)		(1,075	)		(1,025	)
Total Earnings		159,254			538,420			961,641			1,143,005			870,946			695,168
Fixed Charges:
Interest expense
NVR, Inc. consolidated		6,213			12,687			20,286			14,570			12,444			13,377
Amortization of debt issuance costs
NVR, Inc. consolidated		572			1,144			942			998			578			5,373
Interest component of rental expense
NVR, Inc. (estimated 90% of total rental expense is interest)		20,663			45,982			44,555			35,130			27,201			23,211
Total Fixed Charges:
NVR, Inc. consolidated		27,448			59,813			65,783			50,698			40,223			41,961
RATIO: (earnings plus total fixed charges divided by fixed charges)
NVR, Inc. consolidated		6.8			10.0			15.6			23.5			22.7			17.6