Holcomb Houses

Ethan Holcomb

Real Estate Broker | Summit Sotheby's International Realty

(385) 338-0639  •  [email protected]

www.holcombhouses.com

Mortgage Calculator

Estimate your monthly payment and total cost of homeownership.

Tip: In the print dialog, choose "Save as PDF" to download

Loan Details

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Down payment: 20.0% · Loan: $320,000

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Taxes & Fees

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Monthly Payment Breakdown

Total Monthly Payment

$2,526

Principal & Interest

$2,076

Property Tax

$300

Insurance

$150

PMI

$0

HOA

$0

Down Payment

20.0%

$80,000

Frequently Asked Questions

What is the current average mortgage rate in Utah?

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.

How much do I need to put down on a home in Utah?

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.

What is included in a mortgage payment?

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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