FOR PHOENIX-AREA HOMEOWNERS WITH A LOW RATE

Keep your low rate and still move? Run the numbers in 60 seconds.

See what you'd really pay each month if you keep and rent your home, sell and buy, or sell and assume a seller's low-rate loan.

Mortgages under 4%

49.1%

Almost half of all U.S. home loans

Realtor.com / FHFA · Q2 2026

Average 30-year fixed

7.24%

More than double a 3% loan

Freddie Mac · Oct 29, 2026

Extra cost on a $300K loan

$779/mo

$1,265 at 3% vs $2,044 at 7.24%

Principal and interest only

Keep it or sell it?

Your monthly housing cost after the move, three ways.

Home value

Loan balance

Current payment /mo

Expected rent /mo

Next home price

Today's rate %

Down payment % (keep)

Sale costs %

Assumable balance

Assumable rate %

Years left on it

2nd loan rate %

KEEP & RENT · MONTHLY

Want a lender-ready version of these numbers? Book a 15-min rate call Email me

Estimates only. New-home payments use a 30-year fixed loan plus about 0.5% of the price per year for taxes and insurance. The lender view of the rental is 75% of rent minus your current payment. Vacancy, repairs and management aren't included. Assumptions need servicer approval and can take 45+ days; FHA fees can be up to $1,800, and VA charges up to $300 plus a 0.5% funding fee unless exempt. Not every lender offers second loans for assumptions. Not legal, tax or financial advice.

Want the full breakdown of all 5 strategies? Read the guide