Candlelight at Ranches
Affordable single-family homes in a master-planned Eagle Mountain community with parks, trails, and open space. Great value for first-time buyers.
Location
Map shows approximate community location in Eagle Mountain, Utah.
How we calculated this
Understanding Your Payment Estimate
Conventional (20% down)
The standard option. No private mortgage insurance (PMI) required because you're putting 20% down. Lowest monthly payment but highest cash upfront.
Conventional (5% down)
Lower cash upfront, but PMI is added (~0.5% of loan/yr) until you reach 20% equity. PMI typically drops off automatically once you hit 78% loan-to-value.
FHA (3.5% down)
Government-backed loan with lower credit requirements. Includes upfront MIP (1.75% of loan, usually rolled in) plus annual MIP (~0.55%/yr) for the life of the loan on most terms.
VA (0% down)
Available to veterans and active military. No down payment, no PMI. There is a one-time VA funding fee (typically 2.15% for first use) which is usually rolled into the loan.
Which loan is right for you? It depends on your situation. A lower down payment keeps more cash in your pocket for upgrades, moving costs, or reserves — but it increases the monthly payment. We help you compare all options side by side so you can make the best decision for your family.
Talk through your optionsAbout the Builder
Candlelight Homes
Affordable new construction builder in Eagle Mountain offering single-family homes in master-planned communities with parks and trails. Focus on value-driven floor plans for first-time and move-up buyers.
Visit Builder WebsiteNext Steps
How We Help With Candlelight at Ranches
Get a payment range in 2 minutes.
No purchase price guessing. Just a clean estimate based on Utah builder incentives and your comfort zone.