Utah closing cost calculator
Utah buyers pay no transfer or mortgage tax,
Compare prices
Same loan and costs, different prices. Useful for weighing
A Utah purchase, worked out
The calculator opens on $545,000, about the median value of an owner-occupied home in Utah ($545,200, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on
The buyer brings about $117,451: $109,000 down and $8,451 in closing costs, 1.6% of the price. Utah charges the buyer no state transfer or mortgage tax. The monthly payment comes to about $3,437, with property
| Down payment | $109,000 |
|---|---|
| Origination and lender feesest. | +$4,360 |
| Appraisalest. | +$700 |
| Lender’s title insuranceest. | +$500 |
| Settlement or escrow feeest. | +$600 |
| Recording feesest. | +$250 |
| Property tax credit from the sellerest. | −$5,047 |
| Homeowner’s insurance, first yearest. | +$2,725 |
| Prepaid interest (27 days)est. | +$2,096 |
| Property tax escrow (3 months)est. | +$1,363 |
| Insurance escrow (2 months)est. | +$454 |
| Home inspectionest. | +$450 |
| Cash to close | $117,451 |
Estimates are tagged “est.”; Utah’s taxes follow its rules. A “−” is a credit, like the seller’s share of this year’s property tax where it’s paid after
At other prices
Utah has no state tax of its own on the buyer. Each row has 20% down on
| Price | Utah’s buyer taxes | Closing costs | Cash to close | Monthly payment |
|---|---|---|---|---|
| $250,000 | — | $5,522 | $55,522 | $1,597 |
| $500,000 | — | $7,960 | $107,960 | $3,153 |
| $750,000 | — | $10,850 | $160,850 | $4,730 |
| $1,000,000 | — | $13,800 | $213,800 | $6,307 |
| $2,000,000 | — | $25,599 | $425,599 | $12,613 |
Buying in Utah: what to know
No buyer’s taxes
Utah has no buyer-paid transfer
No state transfer tax
Utah has no state or local real
Title insurance
Under Utah’s standard purchase contract practice, the seller pays for the standard owner’s policy. Confirm with
Who runs the closing
Title and escrow companies close Utah sales. An
Property taxes and escrow
Utah generally bills the calendar year in the fall, due November 30 of the same year, so for most of the year taxes are unpaid and the seller credits the buyer from January
Buying in Utah: questions
What taxes does a buyer pay at closing in Utah?
None on the transfer or the loan. Utah buyers pay
When are property taxes due in Utah?
Utah property taxes for the year are generally
Who closes a home sale in Utah?
Title and escrow companies handle Utah closings; an
How much are closing costs in Utah?
On a $545,000 home with 20% down on a conventional loan, the calculator’s estimates put a Utah buyer’s closing costs at about $8,451, or 1.6% of the price, and cash to close at $117,451. Utah charges the buyer no state transfer or mortgage tax. Lender fees, insurance and the rate vary, so put in your lender’s Loan Estimate for
Is anything I type saved?
No. The calculator runs in your browser and sends nothing to us. A copied link carries the numbers in the address itself, so only people you share it with
Sources
Utah’s rules were checked against these on
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Further reading
All posts
What buyers pay at closing in every state: lender and loan fees, title, buyer-only taxes like Florida's note stamps and New York's mortgage
Every line on a seller net sheet explained: commissions, payoffs, title, transfer taxes and prorations, with a worked example and every
Every state's transfer tax, checked: 36 places charge one, 15 don't, and on a $400,000 sale it runs from $40 to $16,000. Who pays
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