Mortgage Calculator

Q: Are these mortgage calculators accurate?

These calculators use real Arizona data including Maricopa County property tax rates, current Home Plus DPA income limits, and current VA funding fee schedules. They provide strong estimates but every borrower's situation is unique — actual loan terms depend on credit score, income, property type, and current market rates. A pre-qualification call with Todd gives you exact numbers.

Q: Which mortgage calculator should I start with?

Start with the Rent vs. Buy Calculator if you are deciding whether to buy. Use the DTI Calculator if you want to know whether you qualify. Use the DPA Calculator if you are worried about the down payment. Veterans should start with the VA Benefit Calculator. Use the Loan Comparison Calculator to weigh two loan options side by side. If you are building a home, use the Construction Loan Estimator.

Q: Do I need to provide personal information to use these calculators?

No. All seven calculators are completely anonymous and require no login, email, or personal information. Simply enter your numbers and see your results instantly. When you are ready to talk to Todd, the Apply button connects you directly to the pre-qualification form.

Q: What Arizona-specific data is built into these calculators?

The calculators include Maricopa County effective property tax rate of 0.63%, Phoenix metro historical home appreciation of 4-5%, Home Plus DPA income limit of $155,386 as of April 2026, current VA funding fee schedules, and typical Arizona HOA ranges for master-planned communities.

Arizona Mortgage Calculators | Free Tools for Home Buyers | Todd Uzzell Mortgage

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Rent vs. Buy Calculator

Should you keep renting or buy now? See the total cost comparison over 3–30 years with Phoenix property taxes, HOA estimates, and appreciation rates built in.

DTI Calculator

Enter your income and monthly debts to see your front-end and back-end DTI ratio — and instantly check qualification status for FHA, VA, Conventional, and USDA loans.

2-1 Buydown Calculator

See how a seller- or builder-paid temporary rate buydown reduces your payment in Years 1 and 2 — and whether asking for this concession makes sense on your Arizona purchase.

Down Payment Assistance Calculator

Find out how much you qualify for through Arizona's Home Plus and Home in Five programs. Income limit $155,386 as of April 2026. See your grant, cash to close, and monthly payment.

First-Time Maricopa Co.

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Veterans

VA Loan Benefit Calculator

See the true dollar value of your VA benefit — zero down savings, lifetime PMI eliminated, funding fee (including disability waivers), and total advantage vs. conventional financing.

Loan Comparison Calculator

Put two loan options side by side — different rates, terms, or programs — and see the monthly payment, total interest, and lifetime cost difference so you can choose with confidence.

Construction Loan Estimator

Estimate your interest-only draw period payments and permanent mortgage after completion. Covers One-Time Close (Conv, FHA, VA) and Two-Time Close construction financing in Arizona.

New Build Custom Home

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Free calculators — no login required

Arizona-specific defaults and limits

2026

Current DPA limits and VA fee schedules

NMLS
1525192

Todd Uzzell — Scottsdale, AZ

Run the Numbers. Then Let's Talk.

These calculators give you a strong directional answer. A 5-minute pre-qualification call with Todd gives you exact numbers based on your actual credit profile, income, and the specific home you're targeting.

Get Pre-Qualified Free →

How to Use These Calculators

Each calculator is built for a specific point in the home buying journey. Here's how to match the right tool to where you are in the process:

Still deciding whether to buy: Start with the Rent vs. Buy Calculator. Run it at the 5-year and 10-year marks — the longer you stay, the more buying wins in the Phoenix market.
Worried about qualifying: Use the DTI Calculator first. Enter your income and existing monthly debts to see your ratio and which loan programs you fit into.
Don't have a big down payment: Check the Arizona DPA Calculator. Home Plus income limits are $155,386 — higher than most people expect, and it covers all Arizona counties.
You're a veteran: Run the VA Benefit Calculator before looking at any other loan type. The dollar advantage is significant and many veterans underestimate it.
Builder is offering concessions: Use the 2-1 Buydown Calculator to see the exact value of a seller- or builder-paid rate buydown before you negotiate.
Torn between two loan options: Use the Loan Comparison Calculator to put them side by side and see the real monthly and lifetime cost difference before you commit.
Building a home: The Construction Loan Estimator shows you both what you'll pay during the build and what your permanent mortgage will be after completion.

Why Arizona Buyers Need Arizona-Specific Tools

Generic national mortgage calculators use national averages that don't reflect the Phoenix market. Property taxes in Maricopa County run about 0.63% — significantly lower than the national average of 1.1%. HOA fees are common in the metro's master-planned communities. Home appreciation has averaged 4–5% annually over the past decade. These numbers matter when comparing rent vs. buy or estimating your real monthly cost of ownership.

All seven calculators on this page use real Arizona figures so the estimates you see actually reflect what buying here looks like — not what buying in Ohio looks like.

Are these mortgage calculators accurate?

These calculators use real Arizona data — Maricopa County property tax rates, current Home Plus DPA income limits, and current VA funding fee schedules. They provide strong estimates, but actual loan terms depend on your credit score, income, property type, and current market rates. A pre-qualification call gives you exact numbers.

Which mortgage calculator should I start with?

Start with Rent vs. Buy if you're deciding whether to buy. Use DTI if you want to know whether you qualify. Use DPA if you're worried about the down payment. Veterans should start with the VA Benefit Calculator. Use the Loan Comparison Calculator to weigh two options side by side. Building a home? Use the Construction Loan Estimator.

Do I need to provide personal information to use these calculators?

No. All seven calculators are completely anonymous — no login, no email, no personal information required. Enter your numbers and see results instantly. When you're ready, the Apply button connects you directly to Todd's pre-qualification form.

What Arizona-specific data is built into these calculators?

Maricopa County effective property tax rate (0.63%), Phoenix metro historical home appreciation (4–5%), Home Plus DPA income limit of $155,386 as of April 2026, current VA funding fee schedules, and typical Arizona HOA ranges for master-planned communities.