5.0 rating500+ reviews

Ultimate Mortgage Calculator for Arizona

Estimate your Arizona mortgage payment to buy, refinance, or take cash out. Taxes, insurance, and HOA are included.

Start my preapprovalTalk to a broker

How much will my mortgage payment be in Arizona?

Your Arizona mortgage payment is your principal and interest plus property taxes, homeowners insurance, any mortgage insurance and homeowners association (HOA) dues, and this calculator adds them all up in 5 short steps. As of October 2026, the conforming loan limit in Arizona is $832,750, so a loan at or below that amount can follow standard conventional rules. Plan for one-time costs too: about $3,600 to $4,000 to close on a $350,000 to $600,000 home, or $2,500 to $3,500 in fees to refinance.

Estimate your closing costs for Conventional, FHA or VA, or see how much a seller can pay toward closing costs.

The Ultimate Mortgage Calculator

We'll walk you through it step by step — no mortgage experience needed.

Arizona · Educational Estimate

Step 1 of 5

Let's start with the basics.

What are you trying to do? Pick whichever fits — there's no wrong answer, we'll adjust everything else to match.

These are estimates for planning only — not a loan approval, pre-qualification, or rate lock. Mortgage Brothers LLC · NMLS #1007154 · AZ MB #MB0922514 · Licensed in Arizona only.

Estimates for planning only — not a loan approval, pre-qualification, or rate lock. Mortgage Brothers LLC · NMLS #1007154 · AZ MB #MB0922514 · Licensed in Arizona only.

Start my preapproval Talk to a broker

What you get

What does this calculator show?

Your full monthly payment

Principal, interest, property taxes, homeowners insurance and homeowners association (HOA) dues in one number.

Buy, refinance or cash out

Pick your goal on step 1. The questions change to fit what you are doing.

Two options side by side

Compare a second loan type or buying versus refinancing, and see which costs less each month.

FAQ

Mortgage calculator questions

What does the ultimate mortgage calculator show?
It shows an estimated monthly payment for buying, refinancing or a cash-out refinance in Arizona. It adds principal, interest, property taxes, homeowners insurance and homeowners association (HOA) dues so you see the full monthly cost.
Can I compare two loan options?
Yes. Check the box on step 1 to compare a second option, such as a different loan type or buying versus refinancing. The calculator shows both side by side.
Where do the property tax and insurance numbers come from?
If you leave them blank, the calculator fills in an Arizona-based estimate. You can type your own numbers any time for a closer result.
Is the Estimated Interest Rate my actual rate?
No. It is a number you enter to plan with. Your real rate depends on your credit, down payment, loan type and the market on the day you lock.
Does using the calculator affect my credit?
No. The calculator does not pull credit or ask for personal details. It only uses the numbers you type in.
Is this a loan approval?
No. The results are estimates for planning only, not a loan approval, pre-qualification or rate lock. To get real numbers, start a preapproval with a Mortgage Brothers broker.

Keep planning

Related calculators

All Arizona calculatorsThe full Mortgage Brothers toolkitClosing cost calculatorEstimate what closing will costSeller concessions calculatorSee how much a seller can payFHA home loansArizona Federal Housing Administration loansVA loansArizona loans for veteransConventional home loansArizona conventional optionsFor RealtorsWork with our team on offers

Ready for real numbers?

Mortgage Brothers is an Arizona mortgage broker. We shop your loan so banks compete for you.

Start my preapproval Talk to a broker

Mortgage Brothers LLC · NMLS #1007154 · Licensed in Arizona

Mortgage Brothers

5.0(345)

1599 East Orangewood Ave, Suite 200
Phoenix, AZ 85020