Buyer tools

Make the payment, incentive, and affordability decision easier.

Run a complete monthly payment estimate, compare a builder incentive rate to a market rate, then use the Can I Afford This? tool to find a comfortable price range and current quick move-in homes worth reviewing.

Buyer decision tool

Payment calculator with incentive comparison

Estimate the monthly payment, then compare a builder incentive rate against the current average market rate so the savings are easy to understand before you tour.

Estimated payment based on 3.99% FHA financing 3.5% down example

Down payment options

Purchase priceDown paymentInterest rate / promo (%) Builder Incentive Rate (%)Average Market Rate (%)Loan termTaxes (%).65%Home insuranceHOA / monthMortgage insurance / monthVerified builder credit

Estimated monthly payment$2,685

Principal + interest $2,071

Taxes .65% $244

Insurance $60/mo

HOA $125

Loan amount $434,240

Informational estimate only. Not a loan quote, commitment to lend, or guarantee. Rates, taxes, insurance, HOA, incentives, and loan terms vary. Financing is subject to borrower qualification and lender approval.

Compare to Average Market Rate

Incentive/rate buy down comparison

See how a lower builder incentive rate can change the monthly payment, lifetime interest picture, and buying power.

Builder Incentive Rate3.99%$2,685 / mo

Average Market Rate6.37%$3,322 / mo

Monthly Savings$637Estimated monthly difference

Lifetime Savings Estimate$229,337Simple 30-year estimate

Buying Power Difference$118,079Estimated extra price room at same payment

Cash-to-close estimate

Know the upfront number before you tour.

Builder credits can help, but they must be verified against the current home, lender, and contract terms.

Down payment$15,750

Estimated closing costs$11,250

Prepaids / reserves$2,250

Builder credit-Ask Tim

Estimated cash due$29,250

Verify cash-to-close with Tim Text for personalized recommendationsPlanning estimate only. Closing costs, prepaid taxes/insurance, escrow reserves, rate buydowns, incentives, and allowable credits vary by loan program, lender, builder, and buyer qualification.

Can I Afford This?

Find a comfortable range before you fall in love with a home.

Use income, debt, down payment, credit-score estimate, and your personal comfort level to create a simple planning range. This is educational only, not a loan approval.

Monthly incomeMonthly debtDown paymentEstimated credit scoreDesired monthly payment comfort level

Comfortable price range$451,219 - $490,455Estimated comfort payment: $2,800

Stretch price range$491,455 - $564,778Estimated payment: up to $3,192

Credit score noteWorth reviewing with a lenderActual approval, rate, payment, and terms require lender review.

Recommended communities

Start here based on this range.

Buckeye · Remington • Surprise · Rio Rancho Estates • Buckeye · Westpark

Want help comparing the numbers?

Send the price, down payment, rate/program assumption, comfort payment, and community. The next step is simply to verify what is current and what may apply.