To get an estimate like the one you see in the image above, simply use our rate and closing cost calculator tool by selecting an option below.\u00a0<\/strong>\n
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\n I want to... <\/div>\n \n
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Refi<\/title><g id=\"FYBR-Reskin---simple\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g id=\"Icons\" transform=\"translate(-74.000000, -33.000000)\"><g id=\"Refi\" transform=\"translate(74.000000, 34.000000)\"><g id=\"House-Copy\" transform=\"translate(10.030273, 8.129032)\" stroke=\"#4EA2CC\" stroke-width=\"0.75\"><polyline id=\"Path-13\" stroke-linecap=\"round\" points=\"0 7.10929846 10 0.109298456 20 7.10929846\"><\/polyline><polyline id=\"Path\" points=\"17 5.10929846 17 15.1092985 3 15.1092985 3 5.10929846\"><\/polyline><polyline id=\"Path\" fill=\"#4EA2CC\" points=\"3 5.10929846 3 0.109298456 5 0.109298456 5 3.68962072\"><\/polyline><polyline id=\"Path\" points=\"7 15.1092985 7 10.1092985 12 10.1092985 12 15.1092985\"><\/polyline><\/g><path d=\"M34.5977208,9.37319028 C32.0782904,3.84371556 26.5031559,0 20.0302734,0 C11.1937174,0 4.03027344,7.163444 4.03027344,16\" id=\"Path\" stroke=\"#4EA2CC\"><\/path><path d=\"M35.0302734,25.3731903 C32.5108431,19.8437156 26.9357086,16 20.4628261,16 C11.6262701,16 4.46282612,23.163444 4.46282612,32\" id=\"Path\" stroke=\"#4EA2CC\" transform=\"translate(19.746550, 24.000000) rotate(-180.000000) translate(-19.746550, -24.000000) \"><\/path><polygon id=\"Triangle\" fill=\"#4EA2CC\" transform=\"translate(34.530273, 11.000000) rotate(-195.000000) translate(-34.530273, -11.000000) \" points=\"34.5302734 9 38.0302734 13 31.0302734 13\"><\/polygon><polygon id=\"Triangle-Copy-4\" fill=\"#4EA2CC\" transform=\"translate(4.500000, 21.039795) rotate(-23.000000) translate(-4.500000, -21.039795) \" points=\"4.5 19.0397949 8 23.0397949 1 23.0397949\"><\/polygon><\/g><\/g><\/g><\/svg>\n Refinance<\/a>\n <a href=\"https:\/\/citycreekmortgage.com\/find-your-best-rate?purchaseOrRefinance=purchase\" class=\"btn btn-large btn-fybr\"><svg width=\"34px\" height=\"20px\" viewBox=\"0 0 34 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\"><title>Purchase<\/title><g id=\"FYBR-Reskin---simple\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g id=\"Icons\" transform=\"translate(-20.000000, -40.000000)\" stroke=\"#4EA2CC\"><g id=\"Purchase\" transform=\"translate(21.000000, 41.000000)\"><polyline id=\"Path-13\" stroke-linecap=\"round\" points=\"5.29891304 7.95397551 16.7798913 0 28.2608696 7.95397551\"><\/polyline><polyline id=\"Path\" points=\"24.7282609 5.29891304 24.7282609 17.6630435 8.83152174 17.6630435 8.83152174 5.29891304\"><\/polyline><line x1=\"2.51006945e-15\" y1=\"17.6630435\" x2=\"32.2893889\" y2=\"17.6630435\" id=\"Path-14\" stroke-linecap=\"round\"><\/line><polyline id=\"Path\" fill=\"#4EA2CC\" points=\"8.83152174 5.29891304 8.83152174 9.09900175e-15 10.5978261 2.79245226e-14 10.5978261 3.79436327\"><\/polyline><polyline id=\"Path\" points=\"14.1304348 17.6630435 14.1304348 11.6630435 19.4293478 11.6630435 19.4293478 17.6630435\"><\/polyline><\/g><\/g><\/g><\/svg>\n Purchase<\/a>\n <\/div>\n \n <\/div>\n <\/div>\n<\/div>\n\n<\/p>\n<h2 id=\"h.nk2azidczau0\" class=\"c18\"><span class=\"c7\">\u201cWhat\u2019s In It For Me?\u201d Why Even Paying Closing Costs?<\/span><\/h2>\n<p class=\"c5\">The average home buyer doesn\u2019t understand why they\u2019re paying closing costs, they just know they have to in order to get their new home.<\/p>\n<p>Unless you understand what you\u2019re paying for, closing costs can feel like you\u2019re being taken advantage of.<\/p>\n<p>So what exactly are you paying for?<\/p>\n<p>Closing costs cover a variety of essential services and fees that facilitate a secure, legally compliant, and efficient home purchase process.<\/p>\n<p>Paying closing costs ensures that the property is accurately valued, the title is clear of any liens or encumbrances, and the transaction is properly documented and recorded with the appropriate authorities.<\/p>\n<p>Without these services, the purchase of a home would be filled with uncertainty, legal risks, and potentially devastating financial losses for both buyers and sellers. In essence, closing costs provide security to you as a home buyer or seller by\u00a0<span class=\"c0\">safeguarding your future or current investment, and ensuring the smooth transfer of property ownership.<\/span><\/p>\n<h2 id=\"h.woc67e7ag5k6\" class=\"c18\"><span class=\"c10 c23\">What To Expect: What Are Closing Costs in Utah?<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-large wp-image-123295\" src=\"https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/woman_evaluating_utah_home_prices-1-972x648.jpg\" alt=\"Asian woman at computer evaluating utah closing costs\" width=\"972\" height=\"648\" srcset=\"https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/woman_evaluating_utah_home_prices-1-972x648.jpg 972w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/woman_evaluating_utah_home_prices-1-222x148.jpg 222w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/woman_evaluating_utah_home_prices-1-768x512.jpg 768w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/woman_evaluating_utah_home_prices-1-648x432.jpg 648w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/woman_evaluating_utah_home_prices-1-300x200.jpg 300w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/woman_evaluating_utah_home_prices-1-256x171.jpg 256w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/woman_evaluating_utah_home_prices-1-312x208.jpg 312w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/woman_evaluating_utah_home_prices-1-168x112.jpg 168w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/woman_evaluating_utah_home_prices-1.jpg 1000w\" sizes=\"auto, (max-width: 972px) 100vw, 972px\" \/><\/span><\/h2>\n<p class=\"c5\">According to\u00a0<span class=\"c15\"><a class=\"c12\" href=\"https:\/\/www.google.com\/url?q=https:\/\/www.closing.com\/wp-content\/uploads\/2022\/04\/ClosingCorp_2021_Purchase_ClosingCostReport_FNL_4-21_DD.pdf&sa=D&source=editors&ust=1681757097358388&usg=AOvVaw0X_HCrfVyZtzMZanVvQDvW\">the most recent national data<\/a><\/span><span class=\"c0\">, in 2021 the average closing costs in Utah are $4,837 with an average home purchase price of $488,644. <strong>This is approximately 1% of the purchase price of a home. Utah\u2019s closing costs are lower than the national average.<\/strong><\/span><\/p>\n<p class=\"c5\">The national average for closing costs was $6,905, which includes home transfer taxes. However, Utah is one of a minority of states that do not have transfer taxes when completing home transactions, so Utah’s figure does not include taxes. Without transfer taxes, the national average for closing costs in 2021 was $3,860.<\/p>\n<h3>In a Nutshell, What Even Are Closing Costs?<\/h3>\n<p class=\"c5\"><span class=\"c15\"><a class=\"c12\" href=\"https:\/\/www.google.com\/url?q=https:\/\/www.investopedia.com\/terms\/c\/closingcosts.asp&sa=D&source=editors&ust=1681757097359257&usg=AOvVaw2XPCZbFv1un56cev3h-f6v\">Closing costs<\/a><\/span><span class=\"c0\">\u00a0are fees that buyers and sellers must pay to complete a home transaction. Both homebuyers and sellers pay certain closing costs, and these expenses include fees charged by third parties and the lender.<\/span><\/p>\n<p class=\"c5\">Nationally, homebuyers can anticipate paying anywhere from<a class=\"c12\" href=\"https:\/\/www.google.com\/url?q=https:\/\/www.fool.com\/the-ascent\/research\/average-closing-costs\/&sa=D&source=editors&ust=1681757097359729&usg=AOvVaw3fnu6W6b8li6m35IEHzJTa\">\u00a0<\/a><span class=\"c15\"><a class=\"c12\" href=\"https:\/\/www.google.com\/url?q=https:\/\/www.fool.com\/the-ascent\/research\/average-closing-costs\/&sa=D&source=editors&ust=1681757097359932&usg=AOvVaw2zPqOk2Aqy6KwJ3yBwTBJg\">2% to 5%<\/a><\/span><span class=\"c0\">\u00a0of the purchase price of their homes in closing costs. This means that prospective buyers should prepare by setting aside money for them in addition to their down payments.<\/span><\/p>\n<p class=\"c5\">According to the<a class=\"c12\" href=\"https:\/\/www.google.com\/url?q=https:\/\/www.zillow.com\/home-values\/55\/ut\/&sa=D&source=editors&ust=1681757097360267&usg=AOvVaw2QOI4vvdumON-32vTLYUba\">\u00a0<\/a><span class=\"c15\"><a class=\"c12\" href=\"https:\/\/www.google.com\/url?q=https:\/\/www.zillow.com\/home-values\/55\/ut\/&sa=D&source=editors&ust=1681757097360445&usg=AOvVaw15WXm0gHViduJWGhBsVij1\">Zillow Home Values Index<\/a><\/span><span class=\"c0\">, the average value or price of a single-family home in Utah as of 2023 is $495,920, and homes in certain counties of the state have higher median prices. If you are in the market for a home, this means that you might expect to pay somewhere between $9,900 to $24,790 in closing costs if you buy a home at a purchase price equalling the average home value in the state.<\/span><\/p>\n<p class=\"c5\"><span class=\"c0\">Fortunately, however, you can negotiate the responsibility for paying closing costs with the seller, and closing costs tend to be less than the national average range of 2% to 5% for buyers in Utah.<\/span><\/p>\n<h2 id=\"h.guy17ros41b4\" class=\"c18\"><span class=\"c7\">Adjusting Your Loan Terms For Lower Closing Costs<\/span><\/h2>\n<p class=\"c5\"><span class=\"c0\">As a homebuyer, there are several ways to adjust your closing costs. However, there\u2019s a catch.<\/span><\/p>\n<p class=\"c5\">A good rule of thumb for understanding closing costs is this:\u00a0<span class=\"c1\">the lower your interest rate is, the more you can expect to pay in points (which are often included in you closing costs). The higher your interest rate, the lower your points.<\/span><\/p>\n<h3 id=\"h.nhec9op0xfjj\" class=\"c11\">Lower Rate, Higher Closing Costs<\/h3>\n<p class=\"c5\"><span class=\"c0\">At the time of writing, the average Utah mortgage rate is 6.105%. These are *examples of real quotes. You can see the lower the interest rate offered, the higher the closing cost.<\/span><\/p>\n<p class=\"c5\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-123296\" src=\"https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/Utah_mortgage_rates_and_closing_costs.png\" alt=\"Utah rates with a lower rate but higher closing cost\" width=\"891\" height=\"622\" srcset=\"https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/Utah_mortgage_rates_and_closing_costs.png 891w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/Utah_mortgage_rates_and_closing_costs-222x155.png 222w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/Utah_mortgage_rates_and_closing_costs-768x536.png 768w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/Utah_mortgage_rates_and_closing_costs-648x452.png 648w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/Utah_mortgage_rates_and_closing_costs-286x200.png 286w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/Utah_mortgage_rates_and_closing_costs-256x179.png 256w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/Utah_mortgage_rates_and_closing_costs-312x218.png 312w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/Utah_mortgage_rates_and_closing_costs-168x117.png 168w\" sizes=\"auto, (max-width: 891px) 100vw, 891px\" \/><\/p>\n<p class=\"c5\"><span class=\"c24\">*Rates above are an example, and are not representative of today\u2019s rates. Please check today\u2019s rates with our\u00a0<\/span><span class=\"c3\"><a class=\"c12\" href=\"https:\/\/www.google.com\/url?q=https:\/\/citycreekmortgage.com\/find-your-best-rate\/&sa=D&source=editors&ust=1681757097361622&usg=AOvVaw0M6UQSgvgJ4x37tsLMRuna\">Find Your Best Rate Tool<\/a><\/span><span class=\"c14\">.<\/span><\/p>\n<h3 id=\"h.ji6yfbn2bbyd\" class=\"c11\"><span class=\"c19\">Higher Rate, Lower Closing Costs<\/span><\/h3>\n<p class=\"c5\">On the other end of the spectrum, you can see how closing with a higher rate can dramatically bring your closing costs down.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-123297\" src=\"https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/utah_closting_costs_with_higher_mortgage_rate.png\" alt=\"Utah mortgage rate options with lower closing cost options but with a higher rate \" width=\"897\" height=\"627\" srcset=\"https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/utah_closting_costs_with_higher_mortgage_rate.png 897w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/utah_closting_costs_with_higher_mortgage_rate-222x155.png 222w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/utah_closting_costs_with_higher_mortgage_rate-768x537.png 768w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/utah_closting_costs_with_higher_mortgage_rate-648x453.png 648w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/utah_closting_costs_with_higher_mortgage_rate-286x200.png 286w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/utah_closting_costs_with_higher_mortgage_rate-256x179.png 256w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/utah_closting_costs_with_higher_mortgage_rate-312x218.png 312w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/utah_closting_costs_with_higher_mortgage_rate-168x117.png 168w\" sizes=\"auto, (max-width: 897px) 100vw, 897px\" \/><\/p>\n<p class=\"c5\"><span class=\"c24\">*Rates above are an example, and are not representative of today\u2019s rates. Please check today\u2019s rates with our\u00a0<\/span><span class=\"c3\"><a class=\"c12\" href=\"https:\/\/www.google.com\/url?q=https:\/\/citycreekmortgage.com\/find-your-best-rate\/&sa=D&source=editors&ust=1681757097362153&usg=AOvVaw3XCgTlr-Ov6-iw3HavUfdV\">Find Your Best Rate Tool<\/a><\/span><span class=\"c14\">.<\/span><\/p>\n<p class=\"c5\">In some cases, if you agree to a high enough interest rate, you can even have your closing costs paid for you, or work as a credit toward your loan. The downside in these circumstances is a higher rate and monthly payment.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-123298\" src=\"https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/3_examples_of_utah_rates_with_no_closing_costs_but_very_high_mortgage_rate.png\" alt=\"three examples of high mortgage rates in utah but with no closing costs \" width=\"897\" height=\"315\" srcset=\"https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/3_examples_of_utah_rates_with_no_closing_costs_but_very_high_mortgage_rate.png 897w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/3_examples_of_utah_rates_with_no_closing_costs_but_very_high_mortgage_rate-222x78.png 222w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/3_examples_of_utah_rates_with_no_closing_costs_but_very_high_mortgage_rate-768x270.png 768w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/3_examples_of_utah_rates_with_no_closing_costs_but_very_high_mortgage_rate-648x228.png 648w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/3_examples_of_utah_rates_with_no_closing_costs_but_very_high_mortgage_rate-312x110.png 312w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/3_examples_of_utah_rates_with_no_closing_costs_but_very_high_mortgage_rate-256x90.png 256w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/3_examples_of_utah_rates_with_no_closing_costs_but_very_high_mortgage_rate-168x59.png 168w\" sizes=\"auto, (max-width: 897px) 100vw, 897px\" \/><\/p>\n<p><span class=\"c24\">*Rates above are an example, and are not representative of today\u2019s rates. Please check today\u2019s rates with our <\/span><span class=\"c3\"><a class=\"c12\" href=\"https:\/\/www.google.com\/url?q=https:\/\/citycreekmortgage.com\/find-your-best-rate\/&sa=D&source=editors&ust=1681757097362651&usg=AOvVaw3Qflt_ePvQj7PMG0w2Sza1\">Find Your Best Rate Tool<\/a><\/span><span class=\"c14\">.<\/span><\/p>\n<h2 id=\"h.rcyozqtdtk3o\" class=\"c17\"><span class=\"c10\"><br \/>\nWant To Know Your Exact Closing Costs? Use Our Tool<br \/>\n<\/span><\/h2>\n<p>We don’t estimate closing costs. We tell you <span style=\"text-decoration: underline;\">exactly<\/span> what they are going to be when you use our tool.<br \/>\n<div class=\"purchase-loan\">\n <div class=\"wrap\">\n \n \n \n <div class=\"purchase-loan-box\" style=\"margin-bottom:100px; padding-bottom: 60px;\">\n <div class=\"purchase-loan-title\">\n I want to... <\/div>\n \n <div class=\"btn-group\" style=\"flex-direction:column; justify-content:center; align-items:center; max-width: 200px; margin:0 auto; \">\n <a href=\"https:\/\/citycreekmortgage.com\/todays-rates\/citycreekmortgage.com\/find-your-best-rate\/?purchaseOrRefinance=refinance\" class=\"btn btn-large btn-fybr\" style=\"margin-bottom:15px;\"><svg width=\"39px\" height=\"34px\" viewBox=\"0 0 39 34\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\"><title>Refi<\/title><g id=\"FYBR-Reskin---simple\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g id=\"Icons\" transform=\"translate(-74.000000, -33.000000)\"><g id=\"Refi\" transform=\"translate(74.000000, 34.000000)\"><g id=\"House-Copy\" transform=\"translate(10.030273, 8.129032)\" stroke=\"#4EA2CC\" stroke-width=\"0.75\"><polyline id=\"Path-13\" stroke-linecap=\"round\" points=\"0 7.10929846 10 0.109298456 20 7.10929846\"><\/polyline><polyline id=\"Path\" points=\"17 5.10929846 17 15.1092985 3 15.1092985 3 5.10929846\"><\/polyline><polyline id=\"Path\" fill=\"#4EA2CC\" points=\"3 5.10929846 3 0.109298456 5 0.109298456 5 3.68962072\"><\/polyline><polyline id=\"Path\" points=\"7 15.1092985 7 10.1092985 12 10.1092985 12 15.1092985\"><\/polyline><\/g><path d=\"M34.5977208,9.37319028 C32.0782904,3.84371556 26.5031559,0 20.0302734,0 C11.1937174,0 4.03027344,7.163444 4.03027344,16\" id=\"Path\" stroke=\"#4EA2CC\"><\/path><path d=\"M35.0302734,25.3731903 C32.5108431,19.8437156 26.9357086,16 20.4628261,16 C11.6262701,16 4.46282612,23.163444 4.46282612,32\" id=\"Path\" stroke=\"#4EA2CC\" transform=\"translate(19.746550, 24.000000) rotate(-180.000000) translate(-19.746550, -24.000000) \"><\/path><polygon id=\"Triangle\" fill=\"#4EA2CC\" transform=\"translate(34.530273, 11.000000) rotate(-195.000000) translate(-34.530273, -11.000000) \" points=\"34.5302734 9 38.0302734 13 31.0302734 13\"><\/polygon><polygon id=\"Triangle-Copy-4\" fill=\"#4EA2CC\" transform=\"translate(4.500000, 21.039795) rotate(-23.000000) translate(-4.500000, -21.039795) \" points=\"4.5 19.0397949 8 23.0397949 1 23.0397949\"><\/polygon><\/g><\/g><\/g><\/svg>\n Refinance<\/a>\n <a href=\"https:\/\/citycreekmortgage.com\/find-your-best-rate?purchaseOrRefinance=purchase\" class=\"btn btn-large btn-fybr\"><svg width=\"34px\" height=\"20px\" viewBox=\"0 0 34 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\"><title>Purchase<\/title><g id=\"FYBR-Reskin---simple\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g id=\"Icons\" transform=\"translate(-20.000000, -40.000000)\" stroke=\"#4EA2CC\"><g id=\"Purchase\" transform=\"translate(21.000000, 41.000000)\"><polyline id=\"Path-13\" stroke-linecap=\"round\" points=\"5.29891304 7.95397551 16.7798913 0 28.2608696 7.95397551\"><\/polyline><polyline id=\"Path\" points=\"24.7282609 5.29891304 24.7282609 17.6630435 8.83152174 17.6630435 8.83152174 5.29891304\"><\/polyline><line x1=\"2.51006945e-15\" y1=\"17.6630435\" x2=\"32.2893889\" y2=\"17.6630435\" id=\"Path-14\" stroke-linecap=\"round\"><\/line><polyline id=\"Path\" fill=\"#4EA2CC\" points=\"8.83152174 5.29891304 8.83152174 9.09900175e-15 10.5978261 2.79245226e-14 10.5978261 3.79436327\"><\/polyline><polyline id=\"Path\" points=\"14.1304348 17.6630435 14.1304348 11.6630435 19.4293478 11.6630435 19.4293478 17.6630435\"><\/polyline><\/g><\/g><\/g><\/svg>\n Purchase<\/a>\n <\/div>\n \n <\/div>\n <\/div>\n<\/div>\n\n<\/p>\n<h2 class=\"c17\"><span class=\"c10 c20\">7 Tips For Negotiating Your Closing Costs<\/span><\/h2>\n<p class=\"c5\">There\u2019s no magical phrase like, \u201cReducio!\u201d that works to shrink your closing costs. But these tips will help navigate your home buying experience so you know you\u2019re at least getting the best deal possible.<\/p>\n<p>1.<strong>\u00a0<span class=\"c10\">Shop around<\/span><\/strong><span class=\"c0\">: Obtain multiple loan estimates from different lenders to compare closing costs. This will help you identify which lender offers the best terms and lowest fees. Make sure to compare rates from the same day, and exclude things like escrows & prepaids (as not all lenders include them, and they\u2019ll be the same no matter where you close your loan).<\/span><\/p>\n<p class=\"c5\">2.\u00a0<strong><span class=\"c10\">Ask \u201cHow can you help us out\u201d<\/span><\/strong><span class=\"c0\">: Some closing costs have wiggle room. Ask what they can do for you to lower fees, such as loan origination fees, discount points, appraisals, or underwriting fees.<\/span><\/p>\n<p class=\"c5\">3.\u00a0<strong><span class=\"c10\">Ask the seller for concessions<\/span><\/strong><span class=\"c0\">: If you\u2019re buying a home, it can make sense to negotiate with the seller to have them pay for a portion of your closing costs. This is more likely to happen in a buyer’s market. Ask your lender or real estate agent if they would encourage or discourage this based on the situation.<\/span><\/p>\n<p class=\"c5\">4.<strong>\u00a0<span class=\"c10\">Request to close at the end of the month (if possible)<\/span><\/strong><span class=\"c0\">: By scheduling your closing towards the end of the month, you can reduce the amount of prepaid interest, also known as per diem interest, that is required at closing.<\/span><\/p>\n<p class=\"c5\">5.\u00a0<strong><span class=\"c10\">Choose a \u201cno-closing-cost\u201d mortgage<\/span><\/strong><span class=\"c0\">: Some lenders offer mortgages where you choose a higher rate that covers your closing costs. It\u2019s not really a no-closing cost mortgage, they\u2019re just covered by your credit for the interest rate. You normally choose this option if you think rates will go lower before your break-even point. You are gaining a more ideal situation in the short-term, but you\u2019re trading that for a less favorable financial burden in the long-term, if you don\u2019t refinance to a lower rate.<\/span><\/p>\n<p class=\"c5\">6.\u00a0<strong><span class=\"c10\">Ask if they offer discounts for bundled services<\/span><\/strong>: Some lenders and title companies offer discounts if you use their affiliated services, such as title insurance or escrow services.<\/p>\n<p>7.\u00a0<strong><span class=\"c10\">Ask your lender about local assistance programs<\/span><\/strong><span class=\"c0\">: Some states, counties, or cities offer homebuyer assistance programs that can help cover closing costs for eligible buyers. Research your local options and see if you qualify.<\/span><\/p>\n<p> <\/p>\n<h2 id=\"h.pyusvxswf2j9\" class=\"c18\"><span class=\"c7\">All The Variables of Closing Costs in Utah<\/span><\/h2>\n<p class=\"c5\"><span class=\"c0\">Below are some common types of closing costs buyers might expect to pay in Utah divided into lender fees and costs associated with the property.<\/span><\/p>\n<h3 id=\"h.3np5ewlg0al6\" class=\"c8\"><span class=\"c9\">Common Application Fees Included in Buyer’s Closing Costs in Utah<\/span><\/h3>\n<p class=\"c5\"><span class=\"c0\">The following closing costs are typically charged by third parties to cover the costs of originating a mortgage:<\/span><\/p>\n<ul class=\"c2 lst-kix_j42za46jg5cr-0 start\">\n<li class=\"c6 li-bullet-0\"><span class=\"c0\">Credit report fee – Paid to credit report company<\/span><\/li>\n<li class=\"c6 li-bullet-0\"><span class=\"c0\">Loan application fee – Varies by lender and might not be charged by all (we do not charge this)<\/span><\/li>\n<\/ul>\n<h3 id=\"h.wus3vyb2nr5\" class=\"c8\"><span class=\"c9\">Common Lender Fees Included in Buyer’s Closing Costs in Utah<\/span><\/h3>\n<p class=\"c5\"><span class=\"c0\">The following closing costs are typically charged by third parties to cover the costs of originating a mortgage:<\/span><\/p>\n<ul class=\"c2 lst-kix_j42za46jg5cr-0\">\n<li class=\"c6 li-bullet-0\"><span class=\"c0\">Discount points – Points that can be paid to reduce your interest rate<\/span><\/li>\n<li class=\"c6 li-bullet-0\"><span class=\"c0\">Loan origination fee – Fee for structuring and originating the mortgage loan<\/span><\/li>\n<li class=\"c6 li-bullet-0\"><span class=\"c0\">Underwriting fee – Fee charged for the costs of gathering documentation, reviewing the paperwork for approval, and coordinating with other third parties<\/span><\/li>\n<li class=\"c6 li-bullet-0\"><span class=\"c0\">Rate lock fee – Charged by some lenders to lock in your interest rate<\/span><\/li>\n<\/ul>\n<h3 id=\"h.t5uaf2lqjvdk\" class=\"c8\"><span class=\"c9\">Property-Related Items Your Might Find In Closing Costs<\/span><\/h3>\n<p class=\"c5\"><span class=\"c0\">Some common closing costs related to the property that buyers might expect include the following:<\/span><\/p>\n<ul class=\"c2 lst-kix_2si2qz29ibic-0 start\">\n<li class=\"c6 li-bullet-0\"><span class=\"c0\"><strong>Title search fee<\/strong> – Fee charged for reviewing historical records to ensure the title is clear<\/span><\/li>\n<li class=\"c6 li-bullet-0\"><span class=\"c0\"><strong>Appraisal fee<\/strong> – Some lenders require an appraisal and will send an appraiser to look at the home to ensure it meets the lender’s standards<\/span><\/li>\n<li class=\"c6 li-bullet-0\"><span class=\"c0\"><strong>Lender’s title insurance fee<\/strong> -Fee to pay for the lender’s title insurance to protect its interests in case there are title issues<\/span><\/li>\n<li class=\"c6 li-bullet-0\"><span class=\"c0\"><strong>Buyer’s title insurance fee<\/strong> – Optional, but this one-time charge protects the homebuyer in case an issue with the title is discovered after the transaction is completed<\/span><\/li>\n<li class=\"c6 li-bullet-0\"><span class=\"c0\"><strong>Recording fee<\/strong> – Fee paid to the county to update the property records to reflect the transfer<\/span><\/li>\n<li class=\"c6 li-bullet-0\"><span class=\"c0\"><strong>Prepaid property taxes<\/strong> – Some lenders require buyers to pay property taxes upfront at closing<\/span><\/li>\n<li class=\"c6 li-bullet-0\"><span class=\"c0\"><strong>Prepaid interest<\/strong> – Charge for the interest that will accrue between the closing date and the date of your first mortgage payment<\/span><\/li>\n<li class=\"c6 li-bullet-0\"><span class=\"c0\"><strong>Private mortgage insurance (PMI)<\/strong> – Insurance required for buyers who put less than 20% down on a conventional mortgage to protect the lender in case of default<\/span><\/li>\n<\/ul>\n<p class=\"c5\"><span class=\"c0\">For government-backed loans, navigating closing costs is slightly different. For example:<\/span><\/p>\n<ul class=\"c2 lst-kix_2si2qz29ibic-0\">\n<li class=\"c6 li-bullet-0\"><span class=\"c0\"><strong>FHA Loan upfront insurance<\/strong> – Insurance that must be paid upfront for FHA loans that amount to 1.75% of the mortgage amount<\/span><\/li>\n<li class=\"c6 li-bullet-0\"><span class=\"c0\"><strong>VA loan funding fee<\/strong> – Some eligible buyers who get VA-backed loans will have to pay a VA funding fee upfront that ranges from 0% to 3.3%, based on the downpayment and whether the buyer has used a VA loan before<\/span><\/li>\n<\/ul>\n<p class=\"c5\">People who get VA loans can’t be charged more than 1% in lender’s fees for closing costs, but they might have to pay a<a class=\"c12\" href=\"https:\/\/www.google.com\/url?q=https:\/\/www.va.gov\/housing-assistance\/home-loans\/funding-fee-and-closing-costs\/&sa=D&source=editors&ust=1681757097366235&usg=AOvVaw2EtGRMZFnRABUhhcWKbw3y\">\u00a0<\/a><span class=\"c15\"><a class=\"c12\" href=\"https:\/\/www.google.com\/url?q=https:\/\/www.va.gov\/housing-assistance\/home-loans\/funding-fee-and-closing-costs\/&sa=D&source=editors&ust=1681757097366498&usg=AOvVaw1JGH21HRyQmTT5v4hjQuCK\">VA funding fee<\/a><\/span><span class=\"c0\">\u00a0upfront that ranges from 0% to 3.3% of the VA mortgage amount.<\/span><\/p>\n<p class=\"c5\"><span class=\"c0\">For <a href=\"https:\/\/citycreekmortgage.com\/purchase\/fha-purchase\/\">FHA-backed mortgages<\/a>, homebuyers can expect to have closing costs that are similar to those for <a href=\"https:\/\/citycreekmortgage.com\/purchase\/conventional-purchase\/\">conventional mortgages<\/a>. However, they can take advantage of options to reduce them such as closing cost assistance programs for buyers using FHA loans or money from family members or charities.<\/span><\/p>\n<p class=\"c5\"><span class=\"c0\">Buyers using FHA loans can also choose to roll their closing costs into their mortgages by adding them to the loan’s costs or agreeing to an increased interest rate.<\/span><\/p>\n<p class=\"c5\"><span class=\"c0\">The Federal Housing Administration (FHA) also allows sellers to pay closing costs for the buyer of up to 6%, and some sellers will agree to do so to complete the sale.<\/span><\/p>\n<h2 id=\"h.odhg3hy5stgl\" class=\"c18\"><span class=\"c23 c10\"><br \/>\nLower Closing Costs? Mortgage Brokers Vs Lenders<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-large wp-image-123299\" src=\"https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/utah_mortgage_broker-972x710.jpg\" alt=\"meeting with Utah mortgage brokers \" width=\"972\" height=\"710\" srcset=\"https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/utah_mortgage_broker-972x710.jpg 972w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/utah_mortgage_broker-222x162.jpg 222w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/utah_mortgage_broker-768x561.jpg 768w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/utah_mortgage_broker-1536x1121.jpg 1536w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/utah_mortgage_broker-648x473.jpg 648w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/utah_mortgage_broker-274x200.jpg 274w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/utah_mortgage_broker-256x187.jpg 256w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/utah_mortgage_broker-312x228.jpg 312w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/utah_mortgage_broker-168x123.jpg 168w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/utah_mortgage_broker.jpg 1600w\" sizes=\"auto, (max-width: 972px) 100vw, 972px\" \/><\/p>\n<p class=\"c13\">If you\u2019re a home buyer confused and riddled by all the jargon, going with a mortgage broker is almost always the better decision. Why?<\/p>\n<p>Because mortgage brokers act as intermediaries between borrowers and\u00a0<span class=\"c10\">multiple lenders<\/span>. Mortgage brokers and home buyers have aligned interests: getting you the best rate and loan possible.<\/p>\n<p>Individual mortgage lenders want to get you the best loan possible, but there\u2019s a catch. It has to be their loan.<\/p>\n<p>By leveraging their knowledge of the entire market and their relationships with different lenders, brokers can help borrowers find the most competitive loan terms and lowest closing costs.<\/p>\n<p>Additionally, mortgage brokers can provide personalized and custom guidance to help borrowers navigate the negotiation process, potentially securing even lower costs. Ultimately, partnering with a mortgage broker increases the likelihood of finding the best mortgage package that aligns with a home buyer’s financial goals, including keeping closing costs to a minimum.<\/p>\n<h2>Have a Rate Quote? Use Our Second Opinion Tool<\/h2>\n<p>When you use our <a href=\"https:\/\/citycreekmortgage.com\/secondopinion\/index.php?s=vpwgxdn-3sjt\">second opinion tool<\/a>, we tell you whether or not you already have a great rate, or how much you can save with us! Just give us a few details about your current rate quote and let you know down to the dollar how much you could save.<\/p>\n<div id=\"attachment_163010\" style=\"width: 978px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/citycreekmortgage.com\/secondopinion\/index.php?s=vpwgxdn-3sjt\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-163010\" class=\"wp-image-163010\" src=\"https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/Screenshot-2023-09-07-at-1.17.40-PM-972x472.png\" alt=\"Second opinion tool result \" width=\"968\" height=\"470\" srcset=\"https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/Screenshot-2023-09-07-at-1.17.40-PM-972x472.png 972w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/Screenshot-2023-09-07-at-1.17.40-PM-222x108.png 222w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/Screenshot-2023-09-07-at-1.17.40-PM-768x373.png 768w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/Screenshot-2023-09-07-at-1.17.40-PM-648x314.png 648w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/Screenshot-2023-09-07-at-1.17.40-PM-312x151.png 312w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/Screenshot-2023-09-07-at-1.17.40-PM-256x124.png 256w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/Screenshot-2023-09-07-at-1.17.40-PM-168x82.png 168w, https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/Screenshot-2023-09-07-at-1.17.40-PM.png 1109w\" sizes=\"auto, (max-width: 968px) 100vw, 968px\" \/><\/a><p id=\"caption-attachment-163010\" class=\"wp-caption-text\"><em>Example of second opinion tool results page<\/em><\/p><\/div>\n<p> <\/p>\n<h2 id=\"h.4d7itybnfao6\" class=\"c18\"><span class=\"c7\"><br \/>\nTalk to City Creek Mortgage<\/span><\/h2>\n<p class=\"c5\"><span class=\"c0\">If you are preparing to purchase a home in Utah and are searching for the best mortgage for your needs, you should schedule an appointment with the mortgage experts at City Creek Mortgage. We can help you find the right type of mortgage at the most affordable price and assist you with comparing the closing costs and other terms. Contact us today to schedule an appointment at <a href=\"tel:8015017950\">801-501-7950<\/a>.<\/span><\/p>\n<p> <\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201cFantastic! More fees that I don\u2019t understand why I\u2019m paying!\u201d This is most people\u2019s reaction to closing costs. However, you\u2019re not just being nickel and dimed. In this article, we\u2019ll explore: What you\u2019re actually\u00a0paying for when you pay closing costs…<\/p>\n","protected":false},"author":2,"featured_media":123293,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[304,313,344,345],"tags":[],"class_list":["post-123292","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-buying","category-home-buying-tips","category-mortgage","category-advice"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Are Closing Costs In Utah in 2023? {+ 7 Tips To Lower Them}<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/citycreekmortgage.com\/blog\/2023\/04\/17\/utah-closing-costs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Are Closing Costs In Utah in 2023? {+ 7 Tips To Lower Them}\" \/>\n<meta property=\"og:description\" content=\"\u201cFantastic! More fees that I don\u2019t understand why I\u2019m paying!\u201d This is most people\u2019s reaction to closing costs. However, you\u2019re not just being nickel and dimed. In this article, we\u2019ll explore: What you\u2019re actually\u00a0paying for when you pay closing costs...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/citycreekmortgage.com\/blog\/2023\/04\/17\/utah-closing-costs\/\" \/>\n<meta property=\"og:site_name\" content=\"City Creek Mortgage\" \/>\n<meta property=\"article:published_time\" content=\"2023-04-17T18:00:38+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-21T18:30:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/african-male-holding-piece-of-paper-while-paying-g-2021-08-31-05-15-55-utc.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1066\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mortgage Mike\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mortgage Mike\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/citycreekmortgage.com\/blog\/2023\/04\/17\/utah-closing-costs\/\",\"url\":\"https:\/\/citycreekmortgage.com\/blog\/2023\/04\/17\/utah-closing-costs\/\",\"name\":\"What Are Closing Costs In Utah in 2023? {+ 7 Tips To Lower Them}\",\"isPartOf\":{\"@id\":\"https:\/\/citycreekmortgage.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/citycreekmortgage.com\/blog\/2023\/04\/17\/utah-closing-costs\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/citycreekmortgage.com\/blog\/2023\/04\/17\/utah-closing-costs\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/african-male-holding-piece-of-paper-while-paying-g-2021-08-31-05-15-55-utc.jpg\",\"datePublished\":\"2023-04-17T18:00:38+00:00\",\"dateModified\":\"2025-11-21T18:30:53+00:00\",\"author\":{\"@id\":\"https:\/\/citycreekmortgage.com\/#\/schema\/person\/b60da52c65e1f8fb432ac5ca053470f8\"},\"breadcrumb\":{\"@id\":\"https:\/\/citycreekmortgage.com\/blog\/2023\/04\/17\/utah-closing-costs\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/citycreekmortgage.com\/blog\/2023\/04\/17\/utah-closing-costs\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/citycreekmortgage.com\/blog\/2023\/04\/17\/utah-closing-costs\/#primaryimage\",\"url\":\"https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/african-male-holding-piece-of-paper-while-paying-g-2021-08-31-05-15-55-utc.jpg\",\"contentUrl\":\"https:\/\/citycreekmortgage.com\/wp-content\/uploads\/2023\/04\/african-male-holding-piece-of-paper-while-paying-g-2021-08-31-05-15-55-utc.jpg\",\"width\":1600,\"height\":1066,\"caption\":\"Couple looking at closing costs for their potential home\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/citycreekmortgage.com\/blog\/2023\/04\/17\/utah-closing-costs\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/citycreekmortgage.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How Much Are Closing Costs in Utah? + How To Lower Them\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/citycreekmortgage.com\/#website\",\"url\":\"https:\/\/citycreekmortgage.com\/\",\"name\":\"City Creek Mortgage\",\"description\":\"CityCreekMortgage.com\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/citycreekmortgage.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/citycreekmortgage.com\/#\/schema\/person\/b60da52c65e1f8fb432ac5ca053470f8\",\"name\":\"Mortgage Mike\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/citycreekmortgage.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/fc09105eb86466d37a018a5c663c09689479dcb50e4a36e3c66717bc6f8b2564?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/fc09105eb86466d37a018a5c663c09689479dcb50e4a36e3c66717bc6f8b2564?s=96&d=mm&r=g\",\"caption\":\"Mortgage Mike\"},\"description\":\"Loan Originator for over 25 years. 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