Utah closing costs typically run 2–4% of the purchase price for buyers and 6–9% for sellers (including agent commissions). The Loan Estimate and Closing Disclosure detail every line.
Overview
Buyer closing costs: lender fees, title insurance, escrow deposits (taxes + insurance), prepaid interest, recording fees.
Seller closing costs: agent commissions, owner's title insurance, prorated taxes, recording fees, and any negotiated buyer credits.
Closing-cost credits from seller, lender, or DPA programs can significantly reduce cash to close.
Who it's for
- Any Utah buyer or seller
Key benefits
- Avoid sticker shock
- Negotiate credits
- Compare Loan Estimates apples-to-apples
Common mistakes to avoid
- Comparing rates without comparing fees
- Forgetting to budget for prepaids
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Closing Costs Explained
Every closing cost line item, decoded.
The complete Utah home-buying process visualized from first thought to keys in hand.
Educational only. Not legal, tax, or financial advice.
Related Resources
How Much Cash Do I Need?
The types of cash a homebuyer may need when purchasing a home — down payment, closing costs, prepaid expenses, and other transaction-related costs.
Seller-Paid Closing Costs Explained
How seller-paid closing costs — sometimes called seller concessions — may help cover eligible buyer closing expenses, subject to loan-program and transaction limits.
Home Buying Mistakes to Avoid
The top mistakes Utah buyers make — and how to avoid them.
Everything a first-time Utah buyer needs — credit, down payment, programs, timeline, and the full home-buying process.
Educational only. Not legal, tax, or financial advice.
The FHA financing playbook for Utah buyers with lower credit or lower down payment — eligibility, MIP, loan limits, and the step-by-step process.
Educational only. Not legal, tax, or financial advice.
Utah down payment assistance programs — UHC, county, city, and grant programs — eligibility, layering strategies, and how to apply.
Educational only. Not legal, tax, or financial advice.
Frequently Asked Questions
Next steps
Start your application, run scenarios in the mortgage calculator, or schedule a call with Tres Miller — 31+ years of Utah lending, NMLS #217768.