Free Tool · Phoenix
Calibrated on 4,958 Phoenix-area residential permits and the same cost engine our team uses with lenders.
Your situation
- Neighborhood
- Current home value
- Remaining mortgage balance
- Your current mortgage rate
- Project type: Master Suite Addition (Bedroom + bathroom + walk-in closet addition); Kitchen Renovation (Full kitchen gut and remodel); ADU / Casita (Detached guest house permitted as ADU); Room Addition (Single-room addition — bedroom, office, or living space); Whole-House Renovation (Full gut renovation of existing home)
- Addition size (sqft)
Project economics
- Estimated build cost
- After-renovation value (conservative)
- Manufactured equity
- Current equity
The cost of moving up
- Monthly cost you avoid by staying — vs. financing a larger move-up home
- 10-year present value of staying put — What staying is worth in today's dollars
Stay vs. sell — monthly cost
- Stay & renovate
- Sell & buy bigger
- You save by staying
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How this calculator works
Every cost and ARV figure here is pulled from the same engine that powers our Reality Check tool — calibrated against 4,958 City of Scottsdale residential permits joined to Maricopa County Assessor parcel records, and grossed up to all-in pricing (hard construction, GC overhead, pre-construction, permitting, and 12% contingency).
ARV loan capacity assumes a portfolio lender product at 90% of after-repair value in second-lien position behind your existing first mortgage — the product most commonly available from Phoenix-area construction lenders. HELOC capacity assumes 85% combined loan-to-value, consistent with most Arizona credit union products. Rates and terms vary by lender and are illustrative, not quotes.
Sell & buy bigger models a 6% seller closing cost, 3% buyer closing cost, and a new 30-year fixed mortgage at the May 2026 Freddie Mac average. The purchase price target is the estimated after-renovation value of your current home multiplied by 1.08 — reflecting the real-world premium of buying a finished home versus building the equivalent space yourself.
For a full product-by-product breakdown of Arizona renovation financing options — HELOC, ARV construction loan, FHA 203k, Fannie Mae HomeStyle — see the Renovation Loan Arizona 2026 guide.
- Renovation Loan Arizona 2026 — Every product compared
- Casita Cost Phoenix 2026 — Build cost by size
- Stay vs. Move Math — Full financial comparison
These are automated estimates for planning only — not an appraisal, a guarantee of value, a loan offer, or financial advice. ExpandEase is not a lender or mortgage broker (NMLS licensing pending); any financing is provided by licensed lending partners, subject to credit approval and final ARV appraisal. Rates and product terms shown are illustrative, vary by lender, and change frequently. Consult a licensed lender and a tax or financial professional before making decisions.