Payment Calculator
Estimate your monthly payment.
Most mortgage calculators show you principal and interest and stop there, which can leave your estimate inaccurate and below what a full payment looks like. This one also includes taxes, insurance, mortgage insurance, and HOA, broken out so you can see where each piece goes.
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About these numbers
Everything here is an estimate for planning, not a Loan Estimate, a pre-approval, a commitment to lend, or a rate lock. Figures assume a fixed interest rate for the full term. Property taxes, homeowners insurance, mortgage insurance, and HOA dues are estimates and will be replaced by the actual amounts set by the county assessor, your insurance carrier, and the association.
Conventional mortgage insurance is priced by the MI company using your credit score, loan-to-value, loan term, and occupancy, so it isn’t something a calculator can estimate honestly. When your down payment is under 20% on a conventional loan, this calculator leaves it out and tells you so — ask me and I’ll get you a real quote.
Final terms are subject to a complete application, verification of income, assets, and credit, a satisfactory appraisal and title, and lender approval. Not all applicants will qualify. Questions? (801) 474-3333.
How little can you actually put down?
Almost always less than people expect. These are the program minimums:
- ConventionalIf this is your first home 3%
- ConventionalIf you’ve owned a home before 5%
- FHAMore flexible on credit and debt 3.5%
- VAVeterans, active duty, Guard and Reserve $0
- USDAIncome and property location limits apply $0
On a $450,000 home, 3% down is $13,500 — not the $90,000 most people assume they need. Utah also has state, county, and city down payment assistance programs, and eligibility depends on your income, the area, and each program’s own rules.
These are program minimums. Your credit, debt-to-income, and the property type can change what you actually qualify for, and closing costs are separate from your down payment. One conversation will tell you your real number.
Call (801) 474-3333Send these numbers to Zach
I’ll take a look and get back to you personally. No application required.
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I’ll be in touch personally. If you’d rather not wait, call or text me at (801) 474-3333.