The conventional mortgage calculator.

It estimates a full monthly payment for a conventional loan: principal and interest, property taxes, homeowners insurance, private mortgage insurance (PMI) when your down payment is under 20 percent, HOA dues, and any extra principal you choose to add. It also estimates your closing costs and the cash you would bring to closing after any seller concessions, projects your payoff date, and shows the interest you could save with extra payments.

PMI is added only when your down payment is below 20 percent (a loan-to-value above 80 percent). At 20 percent down or more, the PMI line is zero. The tool also estimates when PMI would fall off as your balance is paid down, and you can override the PMI rate at any time.

The fields are pre-filled with statewide Utah averages from a single shared data file, expressed as an annual percent of the home's value. The tax default assumes a primary residence, where Utah's residential exemption already lowers the effective rate. If you are buying outside the default county, or buying a second home or investment property, adjust these fields to match your situation.

No. The rate is an editable assumption with a default that reflects a recent reference rate, not an offer or a forecast. Your actual rate depends on your credit, loan details, the property, and market conditions when you lock. For numbers built around your situation, get in touch.

Adding a monthly or yearly amount toward principal shortens the loan and lowers the total interest you pay. The calculator runs your loan twice, once with your extra payments and once without, and shows the difference in interest saved and time shaved off the payoff date.

A seller concession is money the seller agrees to put toward your closing costs in the negotiated contract. Enter the amount and it comes off your cash to close. It does not change your loan amount or your monthly payment. Two limits apply and the tighter one wins: conventional loans cap the credit by your loan to value, so a larger down payment allows a larger credit, and a credit can never exceed your actual closing costs, because it reimburses costs rather than paying you cash. Anything above the binding limit is flagged as unusable rather than quietly deducted.

Yes. The web address updates as you change the fields, so the link in your browser bar always matches the numbers on screen. Copy it, bookmark it, or send it to someone and the calculator reopens with those exact figures. The Copy link button does the same in one click. Every value that arrives in a link is checked against the same limits the fields enforce, so an edited or mistyped link cannot produce an impossible estimate.