Estimate your monthly payment and total cost of homeownership.
Down payment: 20.0% · Loan: $320,000
Monthly Payment
$2,076
Loan Amount
$320,000
Total Interest
$427,185
Total Cost
$747,185
Down Payment
20.0%
$80,000
As of early 2026, the average 30-year fixed mortgage rate in Utah is approximately 6.5–7.0%. Rates vary by lender, credit score, and loan type. Use this calculator to model different rate scenarios.
Conventional loans typically require 3–20% down. FHA loans allow as little as 3.5% down. Putting 20% down avoids private mortgage insurance (PMI), which can save $100–$300/month.
Your monthly payment typically includes principal, interest, property taxes (escrowed), and homeowner's insurance. HOA fees are separate. This calculator shows principal and interest only.
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