Home Buyer Tools
Two tools that work together. Start with the readiness check to see which Utah programs you qualify for and how little you may need upfront, then run the exact numbers in the calculator.
Private by design: this runs entirely in your browser, and answers are never sent or saved. Program facts verified July 2026 against Utah Housing Corp, VA.gov, HUD, Fannie Mae/Freddie Mac, and lender sites; funds and limits change, so always confirm with a lender. This is an educational estimate, not a preapproval or loan offer.
Sellers paid a credit in over half of Salt Lake County sales this year, typically $8–11K. Choose how to use it:
Year-by-year amortization table
Want these numbers checked against real listings, and a lender who will compete for you?
Talk to MikeProperty-tax rates are medians of actual tax bills ÷ price from ~4,900 Salt Lake County MLS records (July 2026). Rate prefill is the latest FRED 30-year weekly national average. 2026 Salt Lake County limits: FHA $637,100 · conforming $832,750 · Utah Housing FirstHome price cap $666,600. Estimates only, not a loan offer; PMI/MIP and insurance vary by borrower and property.
