Tools
Utah closing cost calculator & seller net sheet
Three estimates from one place: what a seller nets at closing, what a buyer’s title and escrow charges come to, and what a refinance costs. Change a number, copy the link, send it to your client.
These are placeholder numbers, not Title One’s rates.
This calculator is built and working, but its rate table has not been filled in or reviewed yet. Every fee and premium below is a stand-in made of repeating digits — 3.33, 2.22, 1.11, 222, 111, 66, 55, 44, 33 — so that no figure on this page can be mistaken for a quote. For real numbers on a real file, talk to us.
Reminder: the rate table behind this page is a placeholder awaiting review. Nothing above is a quote, an estimate of our charges, or a commitment to insure.
Estimates only. Actual charges depend on the property, the county, the contract and the lender’s requirements, and are set out on the Closing Disclosure or settlement statement. This page is not a title commitment, an insurance quote, or legal or tax advice.
What a seller net sheet actually shows
A net sheet starts at the sale price and subtracts everything that comes off the top at closing: the loan payoff, the commission, the title and escrow charges, the property taxes owed for the part of the year the seller owned the house, and anything the seller agreed to pay on the buyer’s behalf. What is left is the wire the seller receives. It is the single number a seller asks for first, and the reason an agent wants it before the listing appointment rather than after.
Why the buyer and refinance numbers look so different
A purchase issues two title policies: an owner’s policy protecting the buyer for as long as they own the property, and a lender’s policy protecting the lender for the life of the loan. Because they are issued together, the lender’s policy is charged at a simultaneous-issue rate rather than as a second full premium.
A refinance issues only a lender’s policy. The owner’s policy from the original purchase is still in force and is not reissued — which is why a refinance costs a fraction of a purchase on the title side, and why the refinance tab has no deed to record but does have a reconveyance for the loan being paid off.
Who pays for what in Utah
Custom is not law. In most of Utah the seller pays for the owner’s policy and the buyer pays for the lender’s, and the escrow fee is commonly split, but every line of that is negotiable and the contract is what governs. The calculator exposes the owner’s-policy choice as a control for exactly that reason: when the contract says something different, move it and both sheets update.
Property taxes are prorated, not billed
Utah property taxes are billed in arrears for the calendar year and come due near the end of it. A sale closing mid-year therefore debits the seller for the days from January 1 through the closing date and credits the buyer, who will pay the whole bill when it arrives. Enter the annual tax from the county notice and a closing date and the calculator shows the day count it used, so the number can be checked rather than believed.
What this does not include
- Lender fees — origination, discount points, appraisal, credit report.
- Prepaid interest, homeowner’s insurance and the escrow reserve.
- Home inspections, repairs and negotiated credits you have not typed in.
- Anything county-specific that turns up on the commitment.
It is a title and escrow estimator, not a Closing Disclosure. When you have a file, send it to us and we will give you the real figures.
More tools
The Utah parcel map covers parcel boundaries, parcel numbers and county lines for all 29 counties, and the rest of what we hand out is on the tools page.