Closing Costs
Closing Costs in Utah (2026): What You'll Pay at the Table
Closing costs in Utah average 2.30% of the purchase price — $11,762 on a $511,400 home. That's on top of your down payment, Utah has no state transfer tax, and optional attorney costs. Here's exactly what you'll pay at the table.
What's Included in Utah Closing Costs
Breakdown on a $511,400 purchase with 6.4% rate
| Fee | Est. Amount |
|---|---|
| Loan origination fee | $4,091 |
| Appraisal | $550 |
| Title search & insurance | $1,500 |
| Prepaid interest | $1,076 |
| Homeowners insurance (escrow) | $1,195 |
| Property tax (escrow) | $563 |
| Recording & govt fees | $250 |
| Total estimated closing costs | $11,762 |
Estimates based on $511,400 purchase. Actual costs vary by lender, county, and loan type.
Closing Costs Calculator — Utah
Pre-loaded with Utah's transfer tax rate and median purchase price of $511,400
Closing Costs Estimator
Utah rates pre-loaded
Estimated Closing Costs
$7,930
1.6% of purchase price
Estimates only. Actual costs vary by lender, title company, and county.
Full Calculator →Utah Real Estate Transfer Tax
Utah has no state transfer tax — a meaningful closing cost advantage
No transfer tax in Utah
Utah has no real estate transfer tax. No county or municipal transfer taxes are charged.
Source: Utah revenue authority
Attorney at Closing: Not Required in Utah
Utah uses title companies and escrow officers
An attorney is not required at closing in Utah. A title company or escrow officer handles the closing process. You may still hire an attorney for contract review — typically $300–$800 — but it's optional.
Estimated Closing Costs by City in Utah
Based on each city's median price and Utah's closing cost rates
Closing cost estimates — Utah cities
| City | Median Price | Title Insurance | Est. Total |
|---|---|---|---|
| Park City | $1,850,000 | $1,500 | $42,550 |
| Salt Lake City | $545,000 | $1,500 | $12,535 |
| Provo | $490,000 | $1,500 | $11,270 |
| Ogden | $390,000 | $1,500 | $8,970 |
| Source: ClosingCorp 2021 / Urban Institute 2025 — estimated at 2.30% of purchase price | |||
APR Calculator — True Cost of Your Loan
APR folds in closing costs so you can compare loans with different fee structures. Pre-loaded with Utah's median loan amount of $409,120 at 6.4%.
APR Calculator
Compare loans with different fee structures by seeing the true annual percentage rate — pre-loaded with Utah's median loan amount of $409,120.
Open Calculator →Should You Buy Points to Lower Your Rate?
Each point costs 1% of the loan ($4,091) and reduces your rate by roughly 0.25%. This calculator shows your break-even month.
Mortgage Points Break-Even Calculator
Find your break-even month — pre-loaded with Utah's $409,120 median loan at 6.4%.
Open Calculator →How to Reduce Closing Costs in Utah
Shop lenders — fees vary widely
Origination fees and points differ by lender. Get Loan Estimates from at least 3 lenders on the same day so you compare apples to apples. A 0.5% difference on a $409,120 loan is $2,046.
Negotiate seller concessions
In a buyer-friendly market, sellers may agree to cover 2-3% of closing costs. On a $511,400 Utah home, a 2% concession is $10,228 — nearly your entire closing cost budget.
Compare title insurance quotes
In most states, you can choose your own title company. Call 2-3 providers — rates are often filed with the state but there can be flexibility in bundled services.
Close near end of month
Closing at month-end minimizes prepaid interest (you only owe interest from closing date to month-end, then your first payment isn't due for ~6 weeks). On $409,120 at 6.4%, each day saved is $72.
Mortgage Payment Calculator — Utah
After closing costs, here's what your monthly payment looks like on $511,400 in Utah
Mortgage Estimator
Utah rates pre-loaded
Monthly Payment (P&I)
$2,559
principal & interest only
Estimate only — excludes insurance, PMI, HOA.
Full Calculator →Frequently Asked Questions
- What are average closing costs in Utah?
- Closing costs in Utah average 2.30% of the purchase price. On the state median of $511,400, that's approximately $11,762. Utah ranks Below average — no transfer tax; competitive title market in Salt Lake metro nationally. Source: ClosingCorp 2021 / Urban Institute 2025.
- Does Utah have a real estate transfer tax?
- Utah has no state-level real estate transfer tax. Utah has no real estate transfer tax. No county or municipal transfer taxes are charged. This makes Utah one of the more buyer-friendly states for closing costs.
- Is an attorney required to close on a home in Utah?
- No — Utah does not require an attorney at closing. A title company or escrow officer handles the closing process. You may still choose to hire an attorney for contract review, which is optional.
- What is title insurance and how much does it cost in Utah?
- Title insurance protects the lender (and optionally you) against ownership disputes, liens, and title defects discovered after closing. In Utah, lender's title insurance averages $1,500. Owner's title insurance is separate and typically costs 0.5–1% of the purchase price. Unlike other insurance, it's a one-time premium paid at closing.
- Can closing costs be rolled into the mortgage in Utah?
- You cannot roll closing costs into a purchase mortgage — lenders fund only the home's purchase price. However, you can negotiate seller concessions (seller pays your closing costs), use a slightly higher rate in exchange for lender credits, or apply down payment assistance funds toward closing costs. On a $409,120 loan in Utah, 1 point of lender credit costs about $1,023/mo extra in payment.
- When do I get the Closing Disclosure in Utah?
- Federal law (TRID) requires your lender to provide the Closing Disclosure at least 3 business days before closing. It shows final loan terms, monthly payment, and itemized closing costs. Compare it carefully to your Loan Estimate — lenders are limited in how much certain fees can change between the two documents.
- What closing costs are tax-deductible in Utah?
- Most closing costs are not deductible. Exceptions: prepaid mortgage interest (the interest accrued between closing and your first payment), and mortgage points paid to buy down your rate may be deductible in the year paid or amortized over the loan term. Property taxes prepaid at closing are deductible up to the $10,000 SALT cap. Consult a tax professional for Utah-specific guidance.
Related Calculators
Closing Costs Calculator
Full itemized breakdown for a $511,400 home in Utah
APR Calculator
See the true cost of your loan with fees folded in
Mortgage Points Break-Even
Find out if buying down your rate makes sense for your timeline
Mortgage Calculator
Monthly payment on $511,400 at 6.4%