Mortgage Calculator

It models principal and interest from your price, down payment, rate, and term, and adds property taxes, homeowners insurance, and HOA dues if you enter them. It does not include mortgage insurance, which depends on your program and down payment. For a complete payment with mortgage insurance and current pricing, send Dan your scenario.

Arizona property taxes are generally modest compared to most states, and the bill varies by school district and city. A practical starting point is the seller's current tax bill, which your agent can pull from the listing or county records. Note that a recent sale can change the assessment over time, so treat the current bill as an estimate.

Premiums vary with the home's age, roof condition, location, and your coverage choices. Arizona avoids hurricane and severe winter risk, which helps, while monsoon and wildfire exposure matter in some areas. Get an actual quote early in escrow and shop it; the calculator accepts whatever monthly figure your quote shows.

Because any pre-filled rate would be wrong for most people. Rates change daily and depend on your credit, down payment, program, and property. Enter any rate to model a scenario. When you want real numbers, Dan prices your actual file across 160+ wholesale lenders.

Mortgage insurance, closing costs, and prepaid items like the first year of insurance and tax escrows. A full Loan Estimate covers all of that. This tool is for getting your bearings on a monthly payment, not for final budgeting.