Six free tools built specifically for Arizona home buyers — with Maricopa County tax rates, Phoenix-area appreciation figures, and 2026 DPA program limits pre-loaded. No login required.
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.
Pre-QualifyEnter 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.
Rate StrategySee 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.
Arizona DPAFind 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.
VeteransSee 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.
New BuildEstimate 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.
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.
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:
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 six 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.