Utah closing cost calculator
Estimate your closing costs as a buyer or seller in Utah. Enter a price to see a full breakdown.
Estimated Net Proceeds
Based on typical Utah closing costs — adjust any amount below
Adjust Estimates
$110,000
Agent commissions
$16,500
$16,500
Estimated Net Proceeds
Without agent
~$544,950
With agent
~$511,950
before loan payoff and prorated HOA dues and rent.
Rough estimate based on typical Utah norms — your actual figures vary by deal.
What these costs include
Escrow / Closing Fee — The title company's charge for managing the exchange of money and documents at closing. Typically split between buyer and seller.
Recording Release — Government fee to remove the seller's existing mortgage from county land records.
Prorated Property Taxes — The seller's share of the annual tax bill, calculated from the last payment date through closing day.
PMI (Private Mortgage Insurance) — Required when the down payment is below 20%; protects the lender if the borrower stops paying.
FHA Upfront MIP — FHA's one-time mortgage insurance fee (1.75% of the loan amount), added to the loan balance at closing.
Lender's vs. Owner's title policy — The lender's policy protects the bank's interest in the property; the owner's policy protects the buyer's ownership rights. Both cover title defects discovered after closing.
Disclaimer: These are estimates based on typical Utah closing costs. Actual costs vary based on your specific lender, title company, and transaction details. This is not financial advice — consult with your lender or title company for accurate figures.
What is Aletheia?
Aletheia is a real estate transaction platform for Utah buyers and sellers. Sellers list their property for free, buyers submit structured offers for free, and the platform manages the entire offer-to-contract process digitally.
Free while in beta. Listing, receiving offers, counteroffers, tracking deadlines — everything is included at no cost.
Frequently asked questions
This calculator provides estimates based on typical Utah closing costs and is for informational purposes only. Actual costs vary based on your lender, title company, property location, and transaction details. This is not financial or legal advice. Want exact numbers? A title company can provide a detailed closing cost estimate for your specific transaction. Consult with licensed professionals for guidance specific to your situation.