
Ethan Holcomb
Real Estate Broker | Summit Sotheby's International Realty
(385) 338-0639 • [email protected]
www.holcombhouses.com
Estimate your monthly payment and total cost of homeownership.
Down payment: 20.0% · Loan: $320,000
Total Monthly Payment
$2,526
Principal & Interest
$2,076
Property Tax
$300
Insurance
$150
PMI
$0
HOA
$0
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.
Let’s talk about what you can afford and what’s available in your target neighborhood.
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