Utah closing cost calculator

It depends on the price, the loan and the day you close. Closing costs are the fees: the lender's fees, the title company's fees, the lender's title policy and the county's recording fee. Prepaids come on top: interest up to the end of the month, the first year of home insurance, and money to start your escrow account for taxes and insurance. The calculator above adds them up for your home and takes off the seller's credits.

Both pay some. Under the Utah purchase contract as of October 2026, the seller pays for the buyer's owner's title policy. Each side pays its own fee to the escrow and closing office. The buyer pays the lender's fees, the lender's title policy and the prepaids. Property tax is split by the day. If a neighborhood charges a fee when a home changes hands, the contract says who pays it. Any of this can be changed in writing.

It is the money you bring to closing. Start with your down payment and add your closing costs and prepaids. Then take off your credits: money the seller pays toward your costs, the seller's share of this year's property tax, and the earnest money you already paid.

Prepaids are bills you pay ahead at closing. They include interest from your closing day to the end of that month and the first year of home insurance. The escrow deposit starts the account your lender uses to pay your property tax and insurance. Federal rules let a lender keep a small cushion in that account, no more than two months of those bills.

Three ways. Interest is paid ahead to the end of the month, so a closing near the end of a month needs less. The seller pays you their share of this year's property tax, which grows each day of the year. And Utah's tax bill is due November 30, so the escrow deposit is bigger or smaller depending on how many monthly payments you make before that bill.

Yes. Earnest money is the deposit you make after your offer is accepted. Under the Utah contract it is due within four calendar days. At closing it counts toward what you owe, so it comes off your cash to close.

Yes, if you agree on it in the contract. This is often called seller concessions. Each loan caps it. A conventional loan allows 3% of the price with less than 10% down, 6% with 10% to 25% down, and 9% with more than 25% down. FHA allows 6%. VA allows 4%, and this page counts every dollar toward it to be safe. Seller money can pay closing costs and prepaids, never the down payment.

An FHA loan charges an upfront mortgage insurance premium of 1.75% of the loan. A VA loan charges a funding fee that depends on your down payment and whether you have used the benefit before. Veterans who get VA disability pay do not pay it. Most buyers add either one to the loan, so it does not come out of their cash at closing.

No. Utah has no state transfer tax when a home is sold. The county charges a small fee to record each document, like the deed and the trust deed for your loan.

If you have a loan, you pay for the lender's title policy, which protects the lender. Under the Utah contract the seller pays for your owner's policy, which protects you. You also pay the title company's own fees for its part of the closing.

Your agent's pay is negotiable, and your written buyer agreement says what it is and who pays it. A seller often agrees to pay some or all of it, but that is negotiated too. Any part that is yours to pay is a real cost at closing, so add it under Fine-tune it and the page counts it.

Most buyers send a wire or bring a cashier's check to the title company, often a day or two before closing. The title company tells you the exact amount. Before you send a wire, call the title company at a phone number you already know and check the instructions out loud. Scammers send fake wire emails that look real, and a wire is very hard to get back.

No. It is a good estimate. Your lender gives you a Loan Estimate after you apply, and a Closing Disclosure with the final numbers before you close. The title company tells you the exact amount to wire.