By the Rampart Title editorial team · October 07, 2026
Utah is one of the least expensive states in the country to close a real estate transaction. There is no state or county transfer tax, there is no mortgage or intangible tax, and recording a document costs a flat $40. Most of what you pay at a Utah closing is title insurance, escrow fees, lender charges and prorated property taxes.
What the seller usually pays
- The standard owner’s title insurance policy. In Utah the seller customarily provides the buyer with a standard coverage owner’s policy at the purchase price.
- Half of the escrow (closing) fee, in most transactions.
- Real estate commissions, as agreed in the listing agreement.
- Mortgage payoffs and the $40 fee to record each release.
- Property taxes from January 1 to closing. Utah taxes are paid in arrears (due November 30), so the seller credits the buyer for the part of the year they owned the home.
What the buyer usually pays
- The lender’s title policy if the purchase is financed, and any upgrade from a standard to an extended or homeowner’s owner’s policy.
- The other half of the escrow fee.
- Recording fees — $40 for the deed and $40 for the deed of trust.
- Lender charges, prepaid interest and escrow reserves for taxes and insurance.
Why Utah title premiums differ between companies
Utah title insurance rates are filed with the Utah Insurance Department by each underwriter, so the price of the same policy can vary between title companies. Our calculator uses a published Utah basic rate schedule: $200 for the first $10,000 of coverage and a declining charge for each additional $1,000.
Everything in a Utah purchase contract is negotiable — the customs above are only the starting point. Use our calculators for an estimate, and ask Rampart Title for an exact quote on your transaction.
