Free Tools

Utah Mortgage Calculators

Instant estimates to help you plan your Utah home purchase, understand your buying power, or evaluate a refinance.

Estimates only. Actual rates and payments depend on your credit profile and current market conditions.

Monthly Payment

$
$
%
yrs
$
$
Total Monthly Payment (PITI)
—
Principal, interest, taxes & insurance
Principal & Interest—
Property Tax—
Home Insurance—
PMI (est.)—
Loan Summary
Loan Amount—
Down Payment %—
Total Interest Paid—
Total Cost—

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How Much Can I Afford?

$
$
$
%
yrs
%
Estimated Max Home Price
—
Based on your income and DTI limit
Your Numbers
Monthly Income—
Max Housing Payment—
Available for P&I—
Est. Loan Amount—
Effective DTI—
Utah Context: Salt Lake City median is ~$500K–$550K. Utah County offers more value at $400K–$500K. Park City starts at $1M+.

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Refinance Break-Even

$
%
%
yrs
yrs
$
Break-Even Point
—
Stay longer than this to come out ahead
Your Savings
Current Monthly Payment—
New Monthly Payment—
Monthly Savings—
Annual Savings—
5-Year Net Savings—

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Important Disclosures: These calculators are for informational purposes only and do not constitute a commitment to lend or financial advice. Results are estimates. All loans subject to credit approval, underwriting guidelines, and final investor approval. Rates and terms subject to change. Not all applicants will qualify. PMI estimated at 0.5% annually when down payment is less than 20%. Equal Housing Lender.

Jim Hoggan – Mortgage Loan Originator, NMLS ID #284263  |  Innovative Funding Utah LLC, NMLS ID #2682774  |  Licensed in the State of Utah  |  Verify at NMLS Consumer Access