All-in cost first, always. Estimate only — not a loan quote or pre-approval.
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How much house can I afford in Arizona? →The Arizona Department of Housing's statewide down payment and closing cost assistance program, administered through the Arizona Industrial Development Authority (AZIDA) and participating lenders. Provides up to 4% of the loan amount as a forgivable second mortgage (no monthly payment, forgiven after a set period) usable toward down payment, closing costs, or both, paired with a 30-year fixed-rate first mortgage (FHA, VA, USDA, or conventional). Available statewide in every county, city, and zip code, with no first-time-buyer requirement.
A down payment and closing cost assistance program for homes purchased in Maricopa County (including Phoenix), sponsored jointly by the Phoenix Industrial Development Authority and the Maricopa County Industrial Development Authority (public agencies, not a lender). Offers up to 5% assistance toward down payment/closing costs as a forgivable second loan paired with a 30-year fixed first mortgage; no first-time-buyer requirement.
Arizona's constitution bans real estate transfer taxes, so that line reads $0 — but closing on the $448,407 median home still runs $8,968 to $22,420.
Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.