Seller closing costs in Utah

The Real Estate Purchase Contract (REPC) is approved by the Utah Real Estate Commission and the Utah Attorney General's office. The current version is effective December 4, 2024. Its first line says "Utah law requires real estate licensees to use this form," though buyer and seller can agree to change or delete provisions. These are its default cost terms.

Your listing commission or flat fee isn't set by the REPC. It comes from your listing agreement. For how commission is calculated, see /selling-costs/commission-calculator/.

The government charge at a Utah closing is the county recording fee. Utah Code § 17-71-407 sets the fee for recording most instruments at $40, with an additional $5 in second- through sixth-class counties unless the county's restricted recording account has a balance (as of 2026). A county recorder can't charge more than one recording fee per instrument, no matter how many attachments it has. Nothing in that section charges a percentage of the sale price.

On a typical sale the documents recorded include the deed to the buyer, the buyer's new trust deed, and the reconveyance of your old loan. Your title company's estimate shows which ones are charged to you.

In Utah the closing is usually handled by a title company acting as the escrow or closing office. The REPC separates two steps. Settlement is when both sides sign and pay what they owe. Closing is when settlement is done, the loan proceeds are delivered, and the deed is recorded, which must happen no later than four calendar days after settlement (§ 3.2).

Two title costs reach the seller. First, as one of your Seller Disclosures you provide a Commitment for Title Insurance (§ 7(c)). Second, at settlement you pay for and have issued in the buyer's favor the most current ALTA Homeowner's Policy, or an ALTA Owner's Policy if the homeowner's policy isn't available (§ 6.2). The buyer's lender's policy is normally a buyer cost. The premium is set by the title insurer's rates, so ask the title company for a quote based on your price.

Each side pays its own escrow fees unless you agree otherwise in writing (§ 4.3(a)).

Utah property taxes are due on November 30 of each year. If November 30 falls on a weekend or holiday, the next business day counts (Utah Code § 59-2-1331(1)). If you sell before the bill is paid, the current year's tax hasn't been paid yet. The REPC prorates it as of the Settlement Deadline (§ 4.1). You're charged for the days you owned the home and the buyer is credited, and the buyer then pays the full bill when it comes due.

Here's a hypothetical example. If the annual tax is $3,600 and the Settlement Deadline is August 31, you owned the home 243 days of the year. Your share is $3,600 × 243 ÷ 365, or about $2,397, charged to you and credited to the buyer.

If a prior year's tax is delinquent, it comes out of your proceeds with the penalty. The penalty is 2.5% of the delinquent amount or $10, whichever is greater, or 1% if paid by January 31. Interest runs after that at a rate tied to the federal funds rate, with a floor of 7% and a ceiling of 10% (§ 59-2-1331(2)).

• Payoff information fee: an HOA governed by Utah's Community Association Act can charge for providing payoff information only if its declaration, bylaws or rules authorize it. The fee can't exceed $50 and can't be required before closing. If the HOA doesn't respond within five business days after a proper written request from the closing agent, it can't enforce a lien for money due at closing (Utah Code § 57-8a-106).
• Transfer fee covenants recorded on or after March 16, 2010, are void and unenforceable (Utah Code § 57-1-46(2)).
• Reinvestment fees: unless the property is in a large master planned development, a reinvestment fee covenant recorded on or after May 6, 2026, can't require a fee above one-half of 1% of the property's value, or one-quarter of 1% in a low-amenity association of only detached single-family homes (§ 57-1-46(5)). Check the recording date of your HOA's notice; older covenants follow the rules in effect when they were recorded.
• Administrative setup fees imposed on or after May 7, 2025, are void unless the association uses the fee only for expenses related to the transfer (§ 57-1-46).

Who pays a change-of-ownership fee is decided by the checkbox in REPC § 4.3(c). HOA dues are prorated under § 4.1. As part of your Seller Disclosures you also provide the CC&Rs and rules, plus the HOA's most recent minutes, budget and financial statement (§ 7(d)–(e)).

Utah's REPC lists what you must deliver by the Seller Disclosure Deadline. That includes a written seller property condition disclosure, a lead-based paint disclosure if the home was built before 1978, the title commitment, HOA documents, and evidence of any water rights or shares (§ 7). The buyer's due diligence is based on these documents, and objections can end in a negotiated repair or credit (§ 8.1(b)), which reduces your net.

At closing you also agree to deliver the home broom-clean and free of personal belongings, and to repair any damage from moving out at your expense (§ 10.3). None of these disclosures can be skipped to save money.

For a local example, see /cost-to-sell-home-ogden-utah/. For costs across both states and a net proceeds example, see /selling-costs/. JupiDoor's Utah service is full service for a flat fee paid at closing; current tiers appear on this page.

This page summarizes the state-approved REPC and Utah Code as of 2026. It isn't legal advice. Read the actual contract you sign and the statutes, and talk to a Utah real estate attorney about your situation.