Utah Home Buying Guide
West Region · Non-Judicial Foreclosure State
Key Facts at a Glance
What Makes Utah Unique
No transfer tax
Salt Lake City area has seen very strong appreciation
Utah Housing offers DPA with every purchase program
First-Time Buyer Programs in Utah
Utah Housing FirstHome Loan
Contact your state housing finance agency for current eligibility and rates
Utah Housing Score Loan
Contact your state housing finance agency for current eligibility and rates
Utah Housing Down Payment Assistance
Contact your state housing finance agency for current eligibility and rates
Program availability, income limits, and interest rates change frequently. Verify current terms with your lender or state housing finance agency.
Closing Costs in Utah
Attorney at Closing
Attorney Not Required
Utah does not require an attorney at closing. A title company typically handles the transaction. Consider hiring one anyway for complex deals.
Local Tips for Utah Buyers
No transfer tax reduces upfront costs in an already expensive market.
Utah Housing DPA is a second mortgage at 2% interest.
St. George and Provo are seeing tech-sector-driven demand.
Estimated Annual Ownership Cost in Utah
Based on the median home price of $520,000 with a 10% down payment and 7% mortgage rate.
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