{{GOOGLE_VERIFICATION}} VA Loan Calculator for Utah (UT) — Free Calculator | MortgageCalcTools

MortgageCalcToolsby tuditools.com

VA Loan Calculator for Utah

Free va loan calculator tailored for Utah (UT). Calculate instantly with state-specific rates and rules.

Home Price ($)

Down Payment (%)

Interest Rate (%)

Loan Term

Usage & Service Type

Disability Exempt (0% funding fee)

Down Payment

Base Loan Amount

VA Funding Fee

Total Loan (with fee)

Monthly Payment

PMI Savings vs Conventional

Total Interest Over Life

Total Cost

VA Loans in Utah

VA loans allow eligible veterans and active-duty service members to buy a home in Utah with no down payment. On the median Utah home of $470,000, that's the full $470,000 financed — no down payment required.

VA Loan Limits in Utah

Veterans with full entitlement have no VA loan limit. The conforming limit of $726,200 in Utah is relevant only for veterans with reduced entitlement. Most Utah counties are at the standard conforming limit. Summit County (Park City) qualifies for higher limits.

VA Funding Fee

Most VA borrowers pay a one-time VA funding fee: 2.15% for first use with no down payment (1.5% with 5%+ down). On a $470,000 loan, the funding fee is approximately $10,105. Veterans with service-connected disabilities are exempt.

Property Taxes in Utah

VA loans don't change your property tax obligation. Utah's effective rate is 0.52%, adding ~$204/month to your VA PITI payment.

Data: Tax Foundation (2024), US Census Bureau ACS 2023, Zillow, ATTOM Data Solutions. Updated 2024–2025. Figures reflect state averages — consult a licensed professional for personalized advice.

VA Loan Calculator for Other States

Frequently Asked Questions

Can I use a VA loan in Utah?

Yes. VA loans are available in all states including Utah. Eligible veterans and service members can buy the median Utah home ($470,000) with no down payment.

What is the VA loan limit in Utah?

Veterans with full entitlement have no loan limit. For those with reduced entitlement, the baseline conforming limit of $726,200 applies. Most Utah counties are at the standard conforming limit. Summit County (Park City) qualifies for higher limits.

How much is the VA funding fee in Utah?

For a first-use VA loan with no down payment, the funding fee is 2.15% of the loan amount. On Utah's median home of $470,000, that's approximately $10,105. Veterans with service-connected disabilities pay no funding fee.

What are closing costs on a VA loan in Utah?

VA loans have lender-paid and buyer-paid closing costs. Buyers typically pay $3,100 in Utah. Utah has no transfer tax on residential properties, which significantly reduces closing costs. Title insurance is the primary variable cost component. Sellers can also contribute to closing costs.

More from TUDITOOLS

CalcuWealth

Free financial calculators for retirement, investing & budgeting

PropertyCalcTools

Free real estate & property calculators

Easy Calculators

100+ free everyday calculators

+v.toLocaleString('en-US',{minimumFractionDigits:2,maximumFractionDigits:2});};window.calcVA=function(){var price=parseFloat(document.getElementById('va-price').value)||0;var downPct=parseFloat(document.getElementById('va-down').value)||0;var rate=parseFloat(document.getElementById('va-rate').value)||0;var term=parseInt(document.getElementById('va-term').value)||30;var feePct=parseFloat(document.getElementById('va-usage').value)||2.15;var exempt=document.getElementById('va-exempt').checked;if(exempt)feePct=0;if(downPct>=5&&downPct<10)feePct=Math.max(feePct-0.5,0);if(downPct>=10)feePct=Math.max(feePct-0.9,0);var downAmt=price*(downPct/100);var baseLoan=price-downAmt;var feeAmt=baseLoan*(feePct/100);var totalLoan=baseLoan+feeAmt;var r=rate/100/12;var n=term*12;var monthly=0;if(r===0){monthly=totalLoan/n;}else{monthly=totalLoan*(r*Math.pow(1+r,n))/(Math.pow(1+r,n)-1);}var convPMIrate=0.007;var monthlyPMIsave=downPct<20?(baseLoan*convPMIrate/12):0;var totalInterest=(monthly*n)-totalLoan;var totalCost=(monthly*n)+downAmt;document.getElementById('va-down-amt').textContent=fmt(downAmt);document.getElementById('va-base-loan').textContent=fmt(baseLoan);document.getElementById('va-fee-amt').textContent=fmt(feeAmt)+' ('+feePct.toFixed(2)+'%)';document.getElementById('va-total-loan').textContent=fmt(totalLoan);document.getElementById('va-monthly').textContent=fmt(monthly);document.getElementById('va-pmi-save').textContent=fmt(monthlyPMIsave)+'/mo';document.getElementById('va-total-interest').textContent=fmt(totalInterest);document.getElementById('va-total-cost').textContent=fmt(totalCost);document.getElementById('va-result').classList.add('show');};})();