Utah Mortgage Payment Calculator with Property Taxes & Down Payment Assistance

Most online calculators guess at taxes and ignore Utah and Idaho realities entirely. This one uses county-level average effective property tax rates and lets you model a Utah Housing down payment assistance second loan, so the number you see is the payment you should actually budget for.

Home price ($)
Down payment (%)
Interest rate (%) (enter your quoted rate)
Loan term (years)
County (sets property tax estimate)

Custom property tax rate (%/yr)
Homeowners insurance ($/yr)
Mortgage insurance (%/yr of loan, if under 20% down)
HOA ($/mo)

Model a Utah Housing (UHC) assistance second loan

Estimated total monthly payment

Principal & interest$0

Property taxes (county est.)$0

Homeowners insurance$0

Mortgage insurance$0

HOA$0

Cash needed at down payment$0

Get Your Free Rate Quote

Estimates only, not a loan offer or quote. Principal and interest are calculated from the rate you enter; your actual rate depends on credit, loan type, and market pricing. Property taxes use county average effective rates (sources: county assessor data and published 2026 averages) and vary by specific address and exemptions; Idaho primary residences receive a homeowner’s exemption that these averages already reflect in part. Utah Housing Corporation program terms, income limits, and assistance amounts change; verify current terms at utahhousingcorp.org. Caleb Adams Mortgage, NMLS #2281316, a DBA of First Class Home Mortgage LLC, NMLS #1843. Licensed in Utah, Idaho, and Texas.

Why This Calculator Is Different

Utah and Idaho have some of the lowest property taxes in the country, and generic national calculators routinely overestimate them, making buyers think they qualify for less house than they do. The county rates above come from published assessor data. Just as important, this tool can model a Utah Housing assistance second loan, which most first-time buyers have never had shown to them as an actual monthly number.

What the UHC Toggle Means

Utah Housing Corporation programs pair a 30-year first mortgage with down payment assistance of up to 6% of the purchase price, structured as a second loan. It is a real path to buying with little cash out of pocket, and it comes with income limits, credit score minimums, and a required homebuyer education course. If the toggle changes your answer from “cannot buy” to “can buy,” the next step is a conversation: read our Utah first-time buyer resource hub, then answer five quick questions for a free rate quote.