Utah New Construction Calculators — Payment, Buydown & Hidden Costs

Monthly Payment Estimator

Includes principal, interest, taxes, insurance, and HOA.

Home Price

Down Payment

= $50,000 down

Interest Rate

Loan Term

Loan Type

PMI rate (% of loan / yr, 0.3–1% typical by credit score)

Effective property tax rate (after Utah's 45% primary-residence exemption)

≈ county levy × 0.55; default 0.65%

Monthly HOA

Annual Homeowner's Insurance

Estimated Monthly Payment

$3,477

Principal, interest, mortgage insurance, tax, insurance & HOA

Principal & Interest$2,919

Private Mortgage Insurance (PMI)$188

Property Tax (monthly)$271

Homeowner's Insurance (monthly)$100

Total Monthly Payment$3,477

PMI drops automatically when your balance reaches 78% of the original value — about payment 112 (year 10).

Loan Amount

$450,000

Total Interest

$600,729

Total Cost of Home

$1,100,729

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