How much are closing costs in Utah?
A buyer in Utah pays about $7,078 in closing costs on a $525,000 home. That is 1.3% of the price, plus about $5,425 of prepaids. A seller pays about $2,415 (0.5%) before commission, or $28,665 with a 5% commission.
Below is each buyer and seller cost in Utah, line by line, and who pays it by custom. Rates checked 2026-09-29.
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| Real estate commission (5%) | −$26,250 |
| First mortgage payoff | −$315,000 |
| Release / satisfaction recording | −$30 |
| Title insurance and settlement | −$2,335 |
| Other closing fees | −$50 |
| Estimated net to seller | $181,335 |
Who pays closing costs in Utah?
Each side pays its own costs. Seller customarily pays the owner's policy. In Utah, each title insurer files its own rates. So prices differ between title companies. The net sheet uses typical rates. The title company that runs the closing gives the final quote. An escrow company usually runs the closing. The table shows a $525,000 sale at statewide rates. The contract can change who pays.
| Cost | Paid by | Seller | Buyer |
|---|---|---|---|
| Owner's title insurance policy | Seller | $1,835 | – |
| Lender's title insurance policy | Buyer | – | $418 |
| Lender-required endorsements | Buyer | – | $150 |
| Escrow fee | Split | $500 | $500 |
| Deed recording fee | Buyer | – | $40 |
| Release / satisfaction recording | Seller | $30 | – |
| Mortgage recording fee | Buyer | – | $60 |
| Wire / courier / payoff processing | Seller | $50 | – |
| Loan origination (1%) | Buyer | – | $4,200 |
| Appraisal | Buyer | – | $550 |
| Credit report | Buyer | – | $60 |
| Underwriting / processing | Buyer | – | $995 |
| Flood certification | Buyer | – | $25 |
| Tax service fee | Buyer | – | $80 |
How much do buyers pay at closing in Utah?
A Utah buyer pays about $7,078 in closing costs on a $525,000 home with 20% down. That covers lender fees, the lender's title policy and recording. Prepaid interest, insurance and escrow add about $5,425. The seller's property tax credit takes off $1,309. With the $105,000 down payment, cash to close is about $116,194. That is for a July 1 closing, the same as the calculator.
How much are seller closing costs in Utah?
A Utah seller pays about $2,415 before commission on a $525,000 sale. The costs are: owner's title insurance policy, escrow fee, release / satisfaction recording, wire / courier / payoff processing. With a 5% commission, the total is about $28,665. The loan payoff and the property tax proration also come out of the proceeds.
How do Utah closing costs change with price?
They go up with the price. On a $1,000,000 home, a buyer pays about $11,030. A seller pays about $3,555 before commission.
| Sale price | Buyer closing costs | Seller costs before commission | Transfer tax |
|---|---|---|---|
| $250,000 | $4,790 | $1,543 | None |
| $500,000 | $6,870 | $2,355 | None |
| $525,000 typical home | $7,078 | $2,415 | None |
| $1,000,000 | $11,030 | $3,555 | None |
Do closing costs in Utah change by county?
No. Closing costs are the same in all 29 Utah counties on a $525,000 sale. The buyer pays $7,078 and the seller $2,415 before commission. No county or city adds its own transfer tax or changes who pays for title.
Are closing costs high in Utah?
No. Utah is on the low side. It ranks 3 of 51 for buyer plus seller closing costs as a share of the price, where 1 is the lowest. They come to 1.8% of the typical home value. See closing costs in every state.
Utah closing cost questions
How much are closing costs in Utah?
A buyer in Utah pays about $7,078 in closing costs on a $525,000 home. That is 1.3% of the price, plus about $5,425 of prepaids. A seller pays about $2,415 (0.5%) before commission, or $28,665 with a 5% commission. Taxes, title and lender fees change with the price and the county.
Who pays closing costs in Utah?
Each side pays its own. Seller customarily pays the owner's policy. The buyer pays the lender's fees, the lender's title policy and most recording fees. Utah has no transfer tax. The contract can change any of this.
How much are closing costs for a buyer in Utah?
About $7,078 on a $525,000 home with 20% down. That is 1.3% of the price. Prepaid interest, insurance and escrow add about $5,425. The seller's property tax credit takes off $1,309. With the $105,000 down payment, cash to close is about $116,194.
How much are seller closing costs in Utah?
About $2,415 on a $525,000 sale before commission (0.5%). With a 5% commission, the total is about $28,665. The loan payoff and the property tax proration also come out of the seller's proceeds.
Does Utah have a transfer tax?
No. Utah does not tax deeds, so neither side pays a transfer tax.
Is there a free closing cost calculator for Utah?
Yes. The calculator on this page uses Utah rates and local customs, for a seller or a buyer. The full NetSheet.org calculator adds prorations, credits and a PDF. Both are free.
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