Utah Home Affordability Worksheet
Map your income, debts, and reserves to a comfortable Utah home price.
About this worksheet
A step-by-step, fill-in-the-blank worksheet that walks Utah buyers through gross monthly income, existing debt payments, target housing payment, down payment, and cash reserves so you can arrive at a realistic purchase price before you talk to a lender.
Who it's for
- First-time Utah buyers
- Move-up buyers rebuilding a budget
- Buyers preparing for a lender conversation
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Frequently asked questions
Frequently Asked Questions
Related resources
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Guides, calculators, and resource centers that pair with this worksheet.
- Consumer GuideThe Utah FHA Loan Consumer Guide
Everything Utah buyers need to understand FHA financing
- 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 New Construction Consumer Guide
A step-by-step guide to buying a newly built home in Utah
- CalculatorUtah Home Affordability Calculator
See how much home you can afford in Utah and compare FHA, VA, Conventional, and USDA side by side.
- Consumer GuideThe Utah Down Payment Assistance Consumer Guide
Grants, forgivable loans, and buyer eligibility across Utah
- Consumer GuideThe Utah First-Time Homebuyer Consumer Guide
Everything You Need to Know Before Buying Your First Home
- Consumer GuideThe Utah VA Loan Consumer Guide
The complete VA financing handbook for Utah veterans
Ready to talk through your numbers?
Bring your finished worksheet to a no-pressure consultation with Tres Miller (NMLS #217768). We'll pressure-test the numbers, walk through Utah program options, and outline realistic next steps.
Educational only. This worksheet does not constitute legal, tax, or financial advice. Programs, guidelines, and limits change frequently — verify current terms with a licensed Utah mortgage professional. Mortgage services provided by Tres Miller, NMLS #217768.
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