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Mortgage calculators that show their math
Four tools with Utah defaults for property tax and insurance. Every input is editable and nothing leaves your browser.
Choose a calculator
- Mortgage payment calculatorPrincipal and interest, taxes, insurance, HOA and PMI in one monthly number.Sample on $485,000, 10% down$3,181/moOpen calculator
- Affordability calculatorWork backward from income and debts to a comfortable home price.Open calculator
- Refinance savings calculatorMonthly savings, lifetime interest and the month you break even.Open calculator
- Rent vs buy calculatorCompare the true cost of renting and owning over 5 to 10 years.Open calculator
How to read your results
- Start with the payment, not the price.Aim for a full housing payment near 28% to 31% of gross income. The affordability calculator does this for you.
- Watch the non-loan costs.Taxes, insurance, PMI and HOA dues can add $400 to $900 a month on a typical Wasatch Front home.
- Compare total cost over time.For refinancing, the break-even month matters more than the rate drop. For rent vs buy, time in the home decides it.
Calculator questions
Want a real quote instead of an estimate? Pre-qualifying takes about 6 minutes.
They use standard amortization math and sample assumptions for taxes, insurance and mortgage insurance. They are great for planning, but your Loan Estimate will reflect your exact rate, fees and property details.
No. Everything runs in your browser. Nothing you type is sent to us unless you choose to pre-qualify.
Use our sample rates page as a starting point. If your credit score is below 700 or you are putting down less than 10%, add about 0.25% to 0.5% for a conservative estimate.
Utilities, maintenance and special assessments are not included. The rent vs buy calculator does include a 1% yearly maintenance estimate.
Turn an estimate into a real number
Pre-qualify in about 6 minutes with a soft credit check. No impact to your score and no obligation.
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