FHA
$527,722
Estimated monthly payment
$3,800/mo
- Loan: $506,432
- P&I: $3,201
- MI/MIP: $232
Tools
Utah Home Affordability Calculator
Estimate what home price you may be able to afford — then compare FHA, VA, Conventional, and USDA side by side.
Estimated home price you may afford
$535,881
Based on a 43% target DTI with Conventional financing.
- Loan amount
- $505,881
- Down payment used
- $30,000
- Principal & interest
- $3,198
- Property tax (est.)
- $246
- Homeowners insurance
- $125
- HOA dues
- $0
- Mortgage insurance / MIP
- $232
- Total monthly housing payment
- $3,800
- Resulting DTI
- 43.0%
This is only an estimate. Actual affordability depends on credit, program guidelines, and lender approval.
Compare Loan Programs
Your inputs run through every major Utah loan program. Program-specific mortgage insurance, funding fees, and minimum down payment rules are applied automatically.
VA
$559,465
Estimated monthly payment
$3,800/mo
- Loan: $540,849
- P&I: $3,419
- MI/MIP: $0
Conventional
$535,881
Estimated monthly payment
$3,800/mo
- Loan: $505,881
- P&I: $3,198
- MI/MIP: $232
USDA
$543,015
Estimated monthly payment
$3,800/mo
- Loan: $518,145
- P&I: $3,275
- MI/MIP: $151
Learn about each program
Related Guides & Resource Centers
Turn your affordability estimate into next steps.
- Consumer GuideUtah Closing Cost Guide
The consumer guide to Utah home-purchase closing costs
- Consumer GuideThe Utah Conventional Loan Consumer Guide
The complete conventional financing handbook for Utah buyers
- Consumer GuideThe Utah FHA Loan Consumer Guide
Everything Utah buyers need to understand FHA financing
- Consumer GuideThe Utah VA Loan Consumer Guide
The complete VA financing handbook for Utah veterans
- Consumer GuideThe Utah Refinance Consumer Guide
A strategic homeowner's guide to refinancing in Utah
- CalculatorUtah Mortgage Calculator
Estimate a Utah mortgage payment including principal, interest, taxes, and insurance.
- Resource CenterUtah FHA Loan Resource Center
Utah FHA loan guide — 3.5% down, credit flexibility, FHA loan limits by county, mortgage insurance, and 203(k) renovation loans.
- Resource CenterUtah Conventional Loan Resource Center
Utah conventional loan guide — conforming limits, PMI, down payment options from 3%, and how to compare against FHA.
Trust, sources, and citation
Last updatedJuly 6, 2026Fresh
BeginnerAI-ready summary
The Utah Home Affordability Calculator estimates the price range a buyer qualifies for using income, monthly debts, down payment, and interest-rate assumptions — then compares FHA, VA, Conventional, and USDA side-by-side so Utah buyers can see how program choice moves their maximum purchase price and monthly PITI.
Key topics covered
- Debt-to-Income (DTI)
- Front-end ratio
- Back-end ratio
- PITI
- Mortgage insurance
- Down payment
- FHA vs Conventional
- VA loan qualifying
- USDA income limits
- Property taxes
- Home insurance
- HOA dues
About this resource
- Primary Topic
- Home Buying
- Secondary Topics
- FHA Loans · VA Loans · Conventional Loans · USDA Loans · First-Time Buyer
- Geographic Focus
- Utah
- Intended Audience
- First-time buyers · Move-up buyers · Utah homebuyers
- Key Concepts
- Debt-to-income · Loan program comparison · PITI · Mortgage insurance · Down payment
- Last Updated
- July 6, 2026
- Author
- Tres Miller · NMLS #217768
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