The problem of using phosphate buffer instead of 10% ammonia solution is the formation of insoluble silver phosphate which precipitates in water. Therefore, all studies on silver sulfadiazine used ammonia for performing a calibration curve of the drug.
For the physical properties of silver phosphate, please see the following link:
It is freely soluble in ammonia. But, as per my opinion, if you don't want to use completely the ammonia then you can try in a combination of ethanol and ammonia (in 3:2) as it can soluble in the same. Another combination you can try as water and ammonia. First solubilize silver sulfadiazine in ammonia and then make up the volume with water. For more information you can access on the given link:
It is possible to perform the calibration curve using
ammonia + water
ammonia + PBS pH 7.4
But
When we have tried same solvent combination for the drug loading in formulation (film) it creates problem in formulation. We found certain changes in the finger print region of IR. If you could suggest any hydrophilic solvent system without ammonia will be helpful.