VA Loan Calculator — Utah
An eligible VA borrower can buy the typical Utah home ($535,000) with no down payment. The 2.15% first-use funding fee ($11,503) is rolled into a $546,503 loan, and there is no monthly mortgage insurance — saving about $240 a month versus FHA MIP on the same home.
Utah has the 3rd-lowest effective property tax rate of the 50 states at 0.48% — $2,301 less a year than the 0.91% state average on a $535,000 home. Homeowners insurance averages $1,814 a year, the 16th-lowest premium nationally and $906 less than the typical state.
Loan Parameters
Total Monthly Payment
$4,012
Principal & Interest + Taxes + Insurance · no mortgage insurance
APR 7.242%
Total Interest
$766,388
Total Cost
$1,444,352
Advanced Parameters
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
N/A
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | PMI | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $43,763 | $5,519 | $38,244 | — | $540,983 | -$5,983 |
| Year 2 | $43,763 | $5,920 | $37,843 | — | $535,063 | -$63 |
| Year 3 | $43,763 | $6,350 | $37,413 | — | $528,713 | $6,287 |
| Year 4 | $43,763 | $6,811 | $36,952 | — | $521,902 | $13,098 |
| Year 5 | $43,763 | $7,306 | $36,457 | — | $514,596 | $20,404 |
| Year 6 | $43,763 | $7,836 | $35,927 | — | $506,760 | $28,240 |
| Year 7 | $43,763 | $8,405 | $35,358 | — | $498,355 | $36,645 |
| Year 8 | $43,763 | $9,015 | $34,748 | — | $489,340 | $45,660 |
| Year 9 | $43,763 | $9,670 | $34,093 | — | $479,670 | $55,330 |
| Year 10 | $43,763 | $10,372 | $33,391 | — | $469,298 | $65,702 |
| Year 11 | $43,763 | $11,125 | $32,638 | — | $458,172 | $76,828 |
| Year 12 | $43,763 | $11,933 | $31,830 | — | $446,239 | $88,761 |
| Year 13 | $43,763 | $12,799 | $30,963 | — | $433,440 | $101,560 |
| Year 14 | $43,763 | $13,729 | $30,034 | — | $419,711 | $115,289 |
| Year 15 | $43,763 | $14,726 | $29,037 | — | $404,985 | $130,015 |
| Year 16 | $43,763 | $15,795 | $27,968 | — | $389,191 | $145,809 |
| Year 17 | $43,763 | $16,942 | $26,821 | — | $372,249 | $162,751 |
| Year 18 | $43,763 | $18,172 | $25,591 | — | $354,077 | $180,923 |
| Year 19 | $43,763 | $19,491 | $24,272 | — | $334,585 | $200,415 |
| Year 20 | $43,763 | $20,907 | $22,856 | — | $313,679 | $221,321 |
| Year 21 | $43,763 | $22,425 | $21,338 | — | $291,254 | $243,746 |
| Year 22 | $43,763 | $24,053 | $19,710 | — | $267,201 | $267,799 |
| Year 23 | $43,763 | $25,799 | $17,963 | — | $241,402 | $293,598 |
| Year 24 | $43,763 | $27,673 | $16,090 | — | $213,729 | $321,271 |
| Year 25 | $43,763 | $29,682 | $14,081 | — | $184,047 | $350,953 |
| Year 26 | $43,763 | $31,837 | $11,926 | — | $152,210 | $382,791 |
| Year 27 | $43,763 | $34,149 | $9,614 | — | $118,061 | $416,939 |
| Year 28 | $43,763 | $36,629 | $7,134 | — | $81,432 | $453,568 |
| Year 29 | $43,763 | $39,288 | $4,475 | — | $42,144 | $492,856 |
| Year 30 | $43,766 | $42,144 | $1,622 | — | $0 | $535,000 |
VA Loan numbers for Utah
- Typical Utah home value
- $535,000
- 0% down ($0) · Zillow, August 31, 2026
- Loan amount
- $546,503
- Includes $11,503 financed funding fee
- Estimated monthly payment
- $4,012
- APR 7.242%
- Utah property tax
- 0.48%
- $214/mo
- Homeowners insurance
- $1,814/yr
- $151/mo
- VA funding fee (first use)
- 2.15% · $11,503
- Financed; exempt with VA disability compensation
- Monthly savings vs FHA MIP
- $240/mo
- Same $535,000 home, FHA at 3.5% down
How much house can you afford in Utah with a va loan?
Highest price where principal, interest, Utah property tax and insurance, with the 2.15% VA funding fee financed and no monthly mortgage insurance stay within 28% of gross income —0% down, 30-year fixed at 7.03%. Other debts lower these numbers.
| Household income | Housing budget / mo | Max home price | Down payment | vs typical home |
|---|---|---|---|---|
| $50,000 | $1,167 | $140,000 | $0 | 26% |
| $75,000 | $1,750 | $221,000 | $0 | 41% |
| $100,000 | $2,333 | $302,000 | $0 | 56% |
| $125,000 | $2,917 | $383,000 | $0 | 72% |
| $150,000 | $3,500 | $464,000 | $0 | 87% |
| $200,000 | $4,667 | $625,000 | $0 | 117% |
| $250,000 | $5,833 | $787,000 | $0 | 147% |
VA vs other loan types in Utah
$535,000 home, each program's typical minimum or default down payment, current average 30-year rate.
| Loan type | Down | Loan amount | Upfront fee | Monthly MI | Total / month | APR |
|---|---|---|---|---|---|---|
| Conventional | 10% · $53,500 | $481,500 | — | $289 PMI | $3,867 | 7.488% |
| FHA | 3.5% · $18,725 | $525,310 | UFMIP $9,035 | $240 MIP | $4,110 | 7.761% |
| VA | 0% · $0 | $546,503 | Funding fee $11,503 | $0 | $4,012 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $107,000 | $428,000 | — | $0 | $3,221 | 7.030% |
Frequently asked questions
What is the monthly payment on a $535,000 home with a va loan in Utah?
Estimated $4,012 per month ($3,647 principal & interest, $214 property tax, $151 insurance) at 7.03% for 30 years, with 0% down. APR 7.242%.
How much is the VA funding fee on a $535,000 Utah home?
$11,503 (2.15%) for a first-time user with no down payment. Putting 5% down lowers it to 1.5%, and 10% down to 1.25%.
Explore related calculators
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Data sources & assumptions
- Freddie Mac Primary Mortgage Market Survey (PMMS) — Weekly average as of September 24, 2026
- Zillow Home Value Index (ZHVI), typical home value, all homes — Default home prices; typical value as of August 31, 2026
- FHFA 2026 Conforming Loan Limit Values (one-unit) — 2026 one-unit limits, 56 states & territories
- Effective statewide property tax rate (Tax Foundation, 2026 projections) — Statewide effective rate; county rates vary
- Average annual homeowners premium, $300K dwelling / $1K deductible (industry survey averages) — Statewide average premium
- VA — Funding fee and closing costs
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.