Closing Cost Calculator for Utah

Closing Costs in Utah

Buyers in Utah typically pay around $3,100 in total closing costs. Utah has no transfer tax on residential properties, which significantly reduces closing costs. Title insurance is the primary variable cost component.

What's Included in Utah Closing Costs?

• Transfer & recording taxes: Utah has no transfer tax on residential properties, which significantly reduces closing costs. Title insurance is the primary variable cost component.
• Lender fees: Origination, underwriting, and processing fees — typically 0.5–1% of the loan amount regardless of state.
• Title insurance: Owner's and lender's policies, required in most Utah transactions.
• Prepaid items: First year homeowner's insurance premium, prepaid property tax escrow, and prepaid interest.
• Escrow/attorney fees: Utah typically uses title companies or escrow agents to close real estate transactions.

Home Values & Loan Context

With a median home value of $470,000 in Utah, a 10% down payment buyer would borrow around $423,000. The conforming loan limit is $726,200 — Most Utah counties are at the standard conforming limit. Summit County (Park City) qualifies for higher limits.

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