Based on this home’s actual listed price of $409,990, compare a market-rate example against a 4.5% FHA fixed-rate example and a 3.875% 7/6 ARM example.
Market rate$3,114/mo6.58% · Market example · 3.5% down
Baseline market-rate estimate
Monthly savings: $0
Yearly savings: $0
5-year savings: $0
Life-of-loan savings: $0
4.5% FHA$2,597/mo4.50% · 3.5% down · FHA fixed-rate example
You could save $517/mo
Monthly savings: $517
Yearly savings: $6,204
5-year savings: $31,020
Life-of-loan savings: $186,120
3.875% 7/6 ARM$2,239/mo3.88% · 5% down · ARM example, adjusts after year 7
You could save $875/mo
Monthly savings: $875
Yearly savings: $10,500
5-year savings: $52,500
Life-of-loan savings: $315,000
You could save $517/mo in this example.
That is about $6,204 per year and $31,020 in five years. Ask Tim to verify what incentives, rates, and terms are actually available for this home today.
Payment examples are illustrative only. Taxes, insurance, HOA, mortgage insurance, rate, incentives, and qualification vary. Financing is subject to borrower qualification and lender approval.
Location preview
Rio Rancho Estates
18385 W Buckskin Trl · Surprise, AZ
33.716, -112.454
Nearby shoppingNearby shopping corridors
ParksPlayground · Park
SchoolsVerify school boundaries by exact home address before relying on an assignment.
CommuteNorthwest Valley · Loop 303 / West Valley commute context
3 beds / 2 baths · 1,601 sq. ft. · 1 story · 3 garage
$399,990 starting priceFloorplan/digital floorplan images are grouped in the main gallery above.
Buyer decision tool
Payment calculator with incentive comparison
Start with an illustrative builder-program example, then adjust the price, down payment, taxes, insurance, HOA, and rate for the specific home you are comparing.
Estimated payment$2,411Uses an illustrative rate as low as 3.99% (FHA) vs 6.53% market example. Not a rate quote.
Illustrative rate as low as 3.99% · FHA · 3.5% down exampleEach builder offers different financing incentives. Verify the current incentive for the specific builder, home, loan program, and lender before relying on this example.
Down payment options
Advanced assumptions: taxes, insurance, HOA, term, and cash-to-close options
Estimated monthly payment$2,411
Principal + interest $1,887
Taxes .45% $154
Insurance $60/mo
HOA $125
Loan amount $395,640
Informational estimate only. Not a loan estimate, Loan Estimate disclosure, advertisement by a lender, commitment to lend, lock, or guarantee of rate/APR/payment. Each builder offers different financing incentives. “As low as” examples require borrower qualification, an eligible home and program, builder and lender participation, available incentive funds, underwriting approval, and final lender disclosures. Verify the current incentive for the specific builder, home, loan program, and lender before relying on it. Rates, APR, points, fees, taxes, insurance, HOA, mortgage insurance, incentives, loan terms, and availability can change without notice.
Compare market rate vs rate as low as example
Rate as low as comparison
Use this as a planning example only. Actual rate/APR, payment, points, fees, incentives, and eligibility must be verified through the lender and current builder program before anyone relies on it.
Rate As Low As Example3.99%$2,411 / mo · not guaranteed
Market Comparison Rate6.53%$3,033 / mo
Estimated Monthly Difference$622Planning estimate only
Long-Term Interest Difference$223,905Simple 30-year estimate, not a lender disclosure
Buying Power Difference$119,109Estimated 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.
Save or share this home and Tim can help make the new construction process simple. I can help verify current availability, pricing, incentives, lender promotions, tour access, and comparable D.R. Horton communities on the west side.
Inventory details are sample MVP data seeded from public pages and should be verified directly before relying on them.
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