Are home sellers in Salt Lake County required to pay closing costs?
The short answer is yes — but what you pay, how much it costs, and how negotiable it is can vary widely based on your situation, the contract, and current market conditions. Below, the Mark Haaga Real Estate Team breaks down which closing costs sellers are responsible for and how to plan ahead so you're not caught off guard.
What Are Closing Costs for Sellers?
Closing costs are fees and charges due at the end of the transaction to finalize the sale of your home. While buyers pay most of the loan-related costs, sellers typically cover title fees, commissions, and taxes in Utah.
- Real estate agent commissions (Seller/Buyer agents): 5%–6% of the sale price (negotiable)
- Title company & escrow fees: $2,500–$3,000+
- Owner’s title insurance (Utah standard): Included in title fees
- Utah county recording fee: ~$40–$80
- HOA transfer/enhancement fees (if any): $200–$2,500+
- Seller concessions to buyers (if negotiated): Up to 3% of the sale price
- Home warranty (optional): $350–$800
- Repairs, staging, or cleaning (optional): Varies widely
What the Utah Real Estate Contract Says About Seller Closing Costs
Seller closing costs in Utah aren't dictated by law, but the Real Estate Purchase Contract (REPC) outlines default expectations — and these can impact your bottom line if you're not aware of them.
- Section 4.3(a): Escrow Fees — Each party typically pays their own unless negotiated otherwise.
- Section 4.3(c): HOA Transfer Fees — These may be split or negotiated but often fall on the seller.
- Section 4.3(e): Real Estate Commission — Seller typically pays both sides of agent commission.
Everything is negotiable. But if you're not familiar with the REPC, you could end up paying more than necessary.
FHA/VA Loans: What Sellers Should Know
If you're working with buyers using FHA or VA financing, the FHA/VA Loan Addendum may apply. It includes:
- Agreed seller contributions toward buyer costs
- How any leftover amount is allocated (e.g., reducing purchase price)
How to Estimate Your Seller Closing Costs Accurately
Requesting a seller net sheet from your real estate agent is the best way to know exactly what you’ll walk away with. We provide this upfront — no surprises.
📞 Contact the Mark Haaga Real Estate Team to request a free custom estimate.
Final Thoughts
The Utah REPC and FHA/VA Addendum spell out seller expectations clearly — but having the right guidance ensures you only pay what’s necessary. Our team helps you:
- Interpret what the contract actually requires
- Negotiate concessions and fees strategically
- Walk away with more money — and less stress
Let’s Talk Strategy and Numbers
Every seller’s situation is different — and every dollar matters. Whether you're just exploring your options or preparing to list, the Mark Haaga Real Estate Team will help you:
- Understand the true costs of selling in today’s market
- Compare offers based on net proceeds
- Negotiate fees and terms that protect your equity
Let’s simplify the process and maximize your return.