KLOE · REAL ESTATE
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Quick Reference
2026 Loan Limits (UT)
Conforming$806,500
FHA$524,225
VAno cap
Jumbo >$806,500
Typical Closing Costs
Buyer2-5% of price
Seller6-10% of price
Title insur.~0.5%
Standard Contingencies
Inspection7-10 days
Appraisal17-21 days
Financing21-30 days
Due diligence10-14 days
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Try: "Run a CMA on 123 main street"·"Draft an offer for my buyer at 95% of list"·"What are mortgage rates today"
Active Clients
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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 coststitle, escrow, recording
%
Repairs
$
Pro-rated tax
$
Commission-$30,195
Closing-$8,235
Net to seller$264,770
Affordability
Gross income / mo
$
Monthly debtscars, student loans, cc min
$
Rate
%
Term
yr
Down
%
Tax+Ins estof 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
%
OpExof gross, repairs+mgmt+util
%
NOI$20,520/yr
Cap rate4.83%
Cash-on-cash-5.25%
Annual cash flow$-5,573
GRM12.4
GCI YTD
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Pipeline Forecast
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Next 7 Days
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