Updated for 2026 FHA Guidelines

    Utah FHA Loan Calculator

    Estimate your FHA monthly payments, including Upfront MIP, annual mortgage insurance, and local Utah property taxes.

    Loan Details

    $450,000
    $15,750

    Utah Estimates

    See FHA vs Conventional side-by-side

    Estimated Monthly Payment

    $3,233
    Principal & Interest
    $2,721
    Property Taxes
    $214
    Homeowners Insurance
    $100
    FHA MIP
    $199

    FHA Specific Details

    Upfront MIP (1.75%)$7,599
    Base Loan Amount$434,250
    Total Financed Amount$441,849

    Quick Answer: FHA Loans in Utah

    An FHA loan in Utah allows you to buy a home with just a 3.5% down payment. For a median-priced $450,000 home, your down payment would be $15,750. You will also pay an Upfront Mortgage Insurance Premium (UFMIP) of 1.75%, which can be rolled into your loan balance, plus an annual MIP of 0.55% divided into your monthly payments.

    FHA vs. Conventional Loans in Utah

    FHA Loan Advantages

    • Lower credit score requirements (580+)
    • Lower minimum down payment (3.5%)
    • Higher Debt-to-Income (DTI) limits allowed
    • Often lower base interest rates

    Conventional Loan Advantages

    • PMI can be removed once you hit 20% equity
    • No Upfront Mortgage Insurance Premium (UFMIP)
    • Higher loan limits in most counties
    • Can be used for investment properties

    2026 Utah FHA Loan Limits

    The Federal Housing Administration sets maximum loan amounts by county. If your home price minus the down payment exceeds these limits, you'll need a conventional Jumbo loan.

    Salt Lake County

    $644,000

    Utah County

    $644,000

    Davis County

    $644,000

    Weber County

    $644,000

    Washington County

    $586,500

    Summit County

    $1,149,825

    How to Use This FHA Calculator

    1. Enter Home Price: Start with the purchase price of the Utah home you want to buy.
    2. Adjust Down Payment: FHA loans require a minimum of 3.5% down. If you put down 10% or more, your MIP costs will be slightly lower.
    3. View Upfront MIP: The calculator automatically adds the 1.75% Upfront Mortgage Insurance Premium to your total loan amount.
    4. See Total Payment: Your estimated monthly payment includes Principal, Interest, Property Taxes (using Utah's average 0.57%), Homeowners Insurance, and the monthly FHA MIP.

    Utah FHA Example Scenario

    Buying a $400,000 Home in Salt Lake County

    • Down Payment (3.5%): $14,000
    • Base Loan Amount: $386,000
    • Upfront MIP (1.75%): $6,755 (Added to loan balance)
    • Total Financed Amount: $392,755
    • Monthly MIP (0.55%): ~$176/month

    This scenario perfectly fits within the $644,000 FHA loan limit for Salt Lake County.

    FHA Loan FAQs

    Explore More Utah Mortgage Tools

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    Disclaimer: The calculators and information provided on this website are for educational and illustrative purposes only. While we strive to provide the most accurate data, estimates, and local Utah tax rates possible, your actual interest rate, monthly payment, and closing costs will vary based on your specific financial situation, credit score, and current market conditions. This is not a commitment to lend. Please consult with a licensed Utah mortgage professional for a personalized rate quote and official loan estimate.