How the Closing Cost Calculator works

Estimate buyer closing costs, taxes, and prepaid expenses.

Show the math

Formula

Total closing costs ≈ origination + title + escrow + prepaids (property tax, homeowners insurance, interest) + government recording fees. Ondo defaults reflect Utah averages; verify with your lender's Loan Estimate.

Inputs

Home price (USD)
Down payment (USD)
Loan program
Prepaid months for tax and insurance

Notes

Utah title and escrow fees vary by title company and county. Treat calculator output as a range.
Origination can appear as a fee or a lender credit. Prepaids often dwarf origination on a first purchase.

Rates, terms, and payments are illustrative estimates, not a quote or a commitment to lend. Not a substitute for underwriting. Equal Housing Lender. See our licensing and disclosures page.

For AI agents: Markdown version of this calculator.

Utah closing-cost inputs (ranges, not a title quote)

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. Snapshot as of 2026-08.

Home price and down payment: Price drives title premiums, recording, and prepaid tax estimates. Down payment is not a closing cost; it is cash to close on a different line.
Loan program: FHA, VA, USDA, and conventional have different prepaid and fee shapes (MIP, funding fee, guarantee fee). The calculator cannot waive a VA funding fee for you.
Prepaid months for tax and insurance: 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. Title and origination still vary by company. 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.

Terms used in this calculator

Not sure what one of these means? Each links to a full definition.

Closing costs: The lender, title, and third-party fees due at closing: separate from your down payment.
Prepaids: Money collected at closing to fund your own future taxes and insurance, plus interest from closing to month end.
Origination fee: The lender’s charge for processing and underwriting the loan, shown in the closing cost section of the Loan Estimate.
Seller concessions: Money the seller contributes toward the buyer’s closing costs, capped by the loan program.

Browse the full real estate glossary

Related education

Closing Costs in Utah: Title, Origination, and Prepaids

Utah funds at title companies, uses deeds of trust, and has no statewide transfer tax. Recording, title premiums, and tax calendars still vary by county.

Title Insurance: Owner’s vs Lender’s Policy

The lender’s policy protects the lien. The owner’s policy protects your equity. Utah title closings. Not legal advice.

How Much Cash Do I Need Besides Down Payment in Utah?

Earnest money, title, origination, prepaids, and reserves sit on top of down payment. Utah closings vary by county and title company.

Earnest Money vs Down Payment vs Closing Costs

Three different cash lines. Earnest money is usually credited at closing. Timing and the Utah REPC still matter. Not legal advice.

Utah home loans

Conventional, FHA, VA, USDA, jumbo, and specialty programs. Education first, then a conversation with a loan officer.

Mortgage payment calculator

Principal, interest, and optional taxes, insurance, and PMI. Not a quote.

Utah Closing Cost Calculator

Enter Your Information

Home Price

Down Payment

Loan Amount

Annual Property Tax

Annual Homeowners Insurance

Interest Rate

Loan Term (years)

Loan Program

Title Insurance

Appraisal Fee

Home Inspection

Origination Fee

Discount Points (% of loan)

Prepaid Interest (days)

Escrow Reserves

About Closing Costs

Lender Costs:

Origination fees and processing
Discount points (optional)
Underwriting fees
Credit report fees

Third-Party Costs:

Title insurance and search
Appraisal and inspection
Recording fees
Attorney fees (if applicable)