JACK · REAL ESTATE
ELAINE'S REAL ESTATE ASSISTANT
Buyers + sellers
CMAs · offers · contracts
Listings
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Quick Reference
2026 Loan Limits (UT)
Conforming
$806,500
FHA
$524,225
VA
no cap
Jumbo >
$806,500
Typical Closing Costs
Buyer
2-5% of price
Seller
6-10% of price
Title insur.
~0.5%
Standard Contingencies
Inspection
7-10 days
Appraisal
17-21 days
Financing
21-30 days
Due diligence
10-14 days
JACK
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Try: "Run a CMA on 123 main street"
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PITI Calculator
Price
$
Down
%
Rate
%
Term
yr
Tax / yr
$
Insur / yr
$
HOA / mo
$
P&I
$3,024/mo
Tax + Insur
$433/mo
PITI
$3,457
Loan
$473k
Total interest
$616k
Seller Net Sheet
Sale price
$
Mortgage payoff
$
Commission
%
Closing costs
title, escrow, recording
%
Repairs
$
Pro-rated tax
$
Commission
-$30,195
Closing
-$8,235
Net to seller
$264,770
Affordability
Gross income / mo
$
Monthly debts
cars, student loans, cc min
$
Rate
%
Term
yr
Down
%
Tax+Ins est
of price, annually
%
Max PITI
$2,660/mo
Max loan
$338k
Max purchase
$375k
28/36 rule · pre-qual estimate only
Investment / Cap Rate
Price
$
Down
%
Rate
%
Term
yr
Gross rent / mo
$
Vacancy
%
OpEx
of gross, repairs+mgmt+util
%
NOI
$20,520/yr
Cap rate
4.83%
Cash-on-cash
-5.25%
Annual cash flow
$-5,573
GRM
12.4
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