What Paperwork Does a Utah FSBO Seller Need?

• Seller disclosures — what you know about the property's condition and history.
• The purchase contract and its addenda — the binding agreement itself.
• Title and settlement documents — the neutral, third-party paperwork of actually closing.
• Lender-related documents — belong to the buyer's financing, but their deadlines affect you.
• Transaction-specific and tax records — items particular to your situation, plus what to keep afterward.

This is a map, not a checklist. No single list can cover every transaction — a property with a well, an HOA, a recent renovation, or an unusual title history will generate documents beyond this general framework. Treat each category below as a starting point for knowing who to ask, not as a complete inventory to work through alone.

An agent's real value in this part of a transaction usually isn't legal expertise — it's coordination: knowing which document belongs to which stage, catching a missing signature or an unaddressed deadline before it becomes a problem, and keeping the whole file moving. Without that role filled, the paperwork itself doesn't change, but the responsibility for noticing when something is missing or overdue does.

Without a listing agent prompting you through it, completing an accurate seller disclosure is entirely your own responsibility. See the seller disclosures guide in the contracts series for what it actually needs to cover — this article won't re-derive that content, but at a high level it typically asks about the property's structural, mechanical, and system condition; known past repairs or issues; and anything else you're aware of that a buyer would reasonably want to know before deciding to buy.

The short version is that it's your own written statement, based on your own actual knowledge — not a form to fill out quickly and set aside, and not something a buyer's own inspection is a substitute for from your side of the transaction.

The Utah Real Estate Purchase Contract, commonly called the REPC, is the standard form most Utah transactions use. A true addendum — a financing addendum, for example — modifies or adds specific terms directly to that contract, layering additional terms onto the base agreement rather than replacing it. Other required paperwork, like your seller disclosure or a brokerage compensation agreement, are separate, companion documents rather than addenda to the REPC itself — see the relevant sections below for each. See the REPC guide in the contracts series for what the base contract actually contains. Without an agent, you may be the one presenting initial terms to an unrepresented buyer, or receiving a contract drafted by a buyer's agent — either way, having any contract you're about to sign reviewed at least once by a real estate attorney before you sign, especially if any term looks unfamiliar, is a reasonable and inexpensive safeguard.

Earnest money is typically deposited with and tracked by a title or escrow company once a contract is signed — see the earnest money guide in the contracts series for the mechanics. Due diligence is largely the buyer's own investigation, but as the seller you may be asked to provide access, records, or information during that period. Both processes come with their own deadlines — see the due diligence guide in the contracts series for how those work.

This is the one category involving a licensed, neutral third party no matter what — a title or escrow company handles the title search, the title commitment, the closing or settlement statement, and the deed, whether or not either party has an agent. If you don't already have a title company you're working with, this is one of the first calls worth making once you're under contract.

The title search and commitment specifically are worth understanding as a seller, not just the buyer: they reveal liens, easements, unpaid property taxes, or other encumbrances tied to the property — some of which a seller may not be fully aware of until title actually runs the search. Any of these typically needs to be resolved before or at closing, so learning about one early, rather than at the closing table, gives you more room to address it.

The buyer's loan estimate, appraisal, and closing disclosure belong to the buyer's own lender relationship — you won't prepare or typically even see most of them directly. But the deadlines attached to them affect whether and when your sale actually closes. See the financing and appraisal deadline guide in the contracts series for how those specific deadlines work and what they mean for your certainty of closing.

Title and escrow will track their own pieces, and the buyer's lender will track theirs — but nobody is centrally coordinating the whole file the way a listing agent normally would. Keeping your own simple calendar of the contract's actual dates — earnest money deadline, due diligence deadline, financing and appraisal deadlines, closing date — and checking in on each one as it approaches is the practical difference between having an agent and not having one for this part of the process.

A basic spreadsheet or even a set of calendar reminders pulled directly from the contract's own dates is usually enough — the goal isn't a sophisticated system, it's simply making sure a deadline doesn't pass unnoticed because no one was specifically responsible for watching it.

• A Utah real estate attorney — before signing an unfamiliar contract term or addendum, if a dispute arises with the buyer, or if you're unsure whether a disclosure covers something specific to your property.
• A title or escrow company — as soon as you're under contract, to open escrow and start the title and settlement process; they're involved regardless of representation on either side.
• A licensed real estate broker — for a one-time paid consultation on a specific document or situation, short of hiring full representation.
• A tax professional — a Form 1099-S may be issued at closing to report the sale; a tax professional, not this article, can address whether and how that affects your specific filing.
• The buyer's lender — you won't typically contact them directly, but knowing that financing-related deadlines originate there helps you understand why a date might shift and who the buyer needs to be pressing for an answer.