Free, accurate tools built for Utah home buyers, sellers, and veterans — pre-loaded with 2026 Davis County data and Utah-specific rates.
Estimate Your Monthly Payment
Enter your home price, down payment, interest rate, and loan term to instantly calculate your monthly principal, interest, taxes, and insurance (PITI) for any Utah home.
Buyer & Seller Net Sheet
Know exactly what you'll pay at the closing table. Calculates title insurance, loan origination, appraisal, escrow, and all Utah-specific fees for buyers and sellers.
Should You Buy in 2026?
Compare the true 5-year and 10-year financial outcome of renting vs buying in Davis County and the Wasatch Front — accounting for appreciation, equity, and opportunity cost.
$0 Down for Veterans
Designed specifically for Hill AFB and Utah veterans. Calculates your VA funding fee, monthly payment, and shows exactly how much you save vs conventional and FHA loans.
Select the calculator that matches your situation — buying, selling, renting, or using a VA loan.
Input your home price, income, down payment, and other details. All inputs are pre-filled with Utah 2026 averages.
Get an instant breakdown of your monthly payment, closing costs, or rent vs buy comparison with Utah-specific data.
Use your results as a starting point for a free consultation. Dr. Haws will refine the numbers with real MLS data.
Yes — all calculators on this page are 100% free with no sign-up required. Dr. Haws provides them as a public service to Utah home buyers and sellers.
The mortgage calculator uses current Utah average interest rates and standard property tax rates for Davis County. Results are estimates — your actual payment will depend on your credit score, lender, and specific property taxes.
Utah buyers typically pay 2–5% of the purchase price in closing costs ($10,000–$25,000 on a $500K home). Sellers typically pay 6–10%, mostly in agent commissions. Use the closing cost calculator for a personalized estimate.
For most Utah residents planning to stay 3+ years, buying is financially advantageous due to Utah's 4–5% annual appreciation rate and the equity you build. The rent vs buy calculator will show you the exact break-even point for your situation.
Yes — VA loans can be used for any primary residence in Utah, including homes near Hill AFB in Davis County. With full entitlement, there is no loan limit and no down payment required. The VA loan calculator shows your exact funding fee and monthly payment.
Dr. Haws will take your calculator results and run them against real MLS data, current lender rates, and 19 years of Utah market experience — for free.