By Tres Miller · Mortgage Banker · NMLS #217768
Reviewed June 22, 2026 · 31+ years lending in Utah
Quick Answer
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
Run the numbers:Open the mortgage calculator
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.
Related resource centers
Disclosure: Educational information only. Not a commitment to lend. Loan approval, interest rates, fees, program eligibility, and property qualification depend on individual underwriting and current program rules at the time of application. Verify all program details with a licensed loan originator. Tres Miller NMLS #217768. Equal Housing Opportunity. Information here is general guidance and is not legal, tax, or financial advice for your specific situation.