OWN PHX AZ
New vs Resale Side-by-Side
Maricopa & Pinal County • Estimates only
Step 1 – Master Inputs (Same for Both Sides)
Same down payment used for both sides.
Default \$1,500/yr. Edit as needed.
Step 2A – Resale Details
Auto-filled from MND when available. Always editable.
Annual % of loan if < 20% down. Set to 0 if not applicable.
Step 2B – New Home Details
Often the same program as resale, but you can change it.
Note rate before any temporary buydown.
Annual % of loan if < 20% down.
Example: 3-2-1 = 3% below base in year 1, 2% in year 2, 1% in year 3.
Year 4+ returns to the base note rate.
Year 4+ returns to the base note rate.
Amortization & Email
We’ll generate an estimated amortization schedule and open it in your email app (using the long-term note rate).
Email uses a standard mailto link. Numbers are estimates only and not a loan offer.
Disclaimer: This tool is for educational purposes only. Rates, taxes, insurance, and closing costs are estimates and may change. Always verify numbers with a licensed lender and tax professional.