Home tools
Calculators for every step of the move
Four calculators for the Phoenix Valley, built to answer the money questions buyers and sellers ask first. Each one runs the math on your device, shows its work, and makes no claim about the market or what your home is worth. Use them to plan, then call for the real numbers.
For buyersAffordability calculatorSee the home price range you can shop in, using the 28/36 guideline most lenders start with.Open the calculatorFor buyersMortgage payment calculatorEstimate the monthly payment behind any price, including taxes, insurance, and an HOA reserve.Open the calculatorFor buyersCost to own calculatorSee the full yearly cost of owning, with tax, insurance, HOA, and a maintenance reserve added to the loan payment.Open the calculatorFor buyersCash to close calculatorEstimate the cash you bring to the closing table, not just the down payment.Open the calculatorFor sellersSeller net-proceeds calculatorEstimate what you would walk away with after selling costs and your mortgage payoff.Open the calculator
New to buying? Start with the roadmap
Not sure which calculator you need yet? The home buying roadmap lays out every step from getting pre-qualified to picking up the keys, and points you to the right tool at each stage.
Ready to see homes?
Numbers in hand, search every active listing across the Valley, or talk it through with Jon directly. You reach him, not a call center.
Questions about these tools
- What calculators are here?
- Five. The affordability calculator estimates the price range you can shop in. The mortgage calculator estimates a monthly payment. The cost-to-own calculator totals the full yearly cost of owning, including tax, insurance, HOA, and maintenance. The cash-to-close calculator estimates the cash you need up front. The seller net-proceeds calculator estimates what a seller walks away with after costs and payoff.
- How is home affordability calculated?
- The affordability calculator uses the 28/36 guideline: housing costs up to about 28 percent of gross monthly income, and total debt including housing up to about 36 percent. It uses the lower of the two limits to estimate a price range from the numbers you enter.
- What does the cash-to-close calculator include?
- It adds your down payment, closing costs, and any prepaids and escrow reserves, then subtracts earnest money you already deposited and any seller or lender credits. Every field is a starting point you can change.
- How are seller net proceeds estimated?
- The seller calculator subtracts agent commission, other closing costs, any buyer credits, and repairs from the sale price you enter, then subtracts your mortgage payoff. Commission is negotiable and set by your listing agreement, not by law, so it is editable.
- Do these tools give exact or guaranteed numbers?
- No. Each one is a planning estimate built only from the numbers you enter. None is a loan approval, a quote, or a statement of what your home is worth, and none of them make a claim about the market. The math runs entirely on your device.
- How do I get the real numbers?
- Call or text Jon at (623) 826-0888. He will connect you with a local lender for an exact payment and cash-to-close figure, and price your home against what is actually selling nearby for a real net sheet.
Jon Hegreness · REALTOR / Associate Broker, Howe Realty · License BR540940000