Utah purchase closings typically fund at a title company, are secured by a deed of trust, and do not add a statewide transfer tax. Origination, title premiums, recording, and prepaid taxes still vary by lender, title company, and county. Snapshot as of 2026-08. Origination can appear as a fee or as a lender credit. Title and escrow on a typical Wasatch Front purchase are often a few thousand dollars combined, not a single statewide tariff. Prepaids (taxes, insurance, prepaid interest) often dwarf origination. Confirm on a Loan Estimate.
What is actually unique here
- Utah residential closings typically fund at a title company, not through a real-estate attorney as in attorney-closing states.
- Most Utah purchase loans are secured by a deed of trust recorded with the county, not a mortgage instrument.
- Utah does not levy a statewide real estate transfer tax. County recording fees still apply and differ by county.
- Utah property tax billing is county-specific. The first escrow analysis can surprise buyers because the tax year and the mortgage escrow year do not line up the same way in every county.
That is why this site does not clone a Utah fee table onto Arizona, Colorado, Oregon, or Texas pages. Those states have different closing customs and, in some cases, different taxes.
Three buckets on the Loan Estimate
- Origination. Lender charges or credits. Points that buy the rate down belong here, not “hidden” in the note rate.
- Title and recording. Owner’s vs lender’s title, escrow, and county recorder. Owner’s and lender’s title premiums and escrow/closing fees vary by title company even inside the same county. Treat any range as a range.
- Prepaids. Insurance, interest from funding to month-end, and tax impounds. These often dwarf origination on a first purchase.
City landings are not a second fee sheet
For market context only: Salt Lake City, Lehi, Provo, Draper. Cash besides down payment: cash-to-close stack.
What happens next
Use the closing-cost calculator for a range, then compare the cash-to-close line on a Loan Estimate from a licensed loan officer.
Common questions
Keep going
What to do next
Education first. A conversation with a loan officer is how you find out what may actually fit your file.
Loan information is provided by Ondo Real Estate (NMLS ID on file). This is not a commitment to lend, a loan approval, or an offer of credit. Rates, terms, and payments shown are estimates for illustration only, are not a quote, and are subject to credit approval, underwriting, and market conditions. You are not required to use Ondo for financing to buy or sell with Ondo. Equal Housing Lender. Program rules, fees, and county loan limits change. Confirm the current published schedule and lender overlays. Nothing here is a quote, a lock, or a credit decision. Licensing and disclosures