New Construction
Closing Costs on a Utah New-Construction Home
What buyers should budget beyond the down payment, including lender fees, title, prepaid items, builder charges, HOA setup, taxes, and post-closing work.
Direct answer: The cash needed to close on a Utah new-construction home includes more than the down payment. Buyers may pay lender charges, appraisal and credit fees, title and settlement costs, prepaid interest, insurance, escrow deposits, HOA setup charges, inspections, and builder-specific items. The larger surprise often comes after closing: landscaping, fencing, window coverings, appliances, security, utility setup, and repairs or upgrades not included in the base contract.
Loan and settlement costs
- Origination and underwriting charges
- Discount points
- Appraisal
- Credit and flood-related fees where applicable
- Title search and lender's title policy
- Escrow or settlement fee
- Recording charges
- Prepaid interest
- Homeowners insurance
- Tax and insurance escrow deposits
Builder and community charges
- Lot premium
- Design-center deposits
- Change-order fees
- HOA initiation or capital contribution
- Transfer or community-enhancement fees where applicable
- Utility connection or setup items
- Survey or engineering charges if assigned to buyer
After-closing costs buyers miss
- Landscaping and irrigation
- Fence and gates
- Blinds or window coverings
- Refrigerator, washer, and dryer if excluded
- Garage storage and opener accessories
- Additional lighting or fans
- Concrete or patio work
- Warranty service time and access
How incentives affect the calculation
A builder credit may be limited to approved closing costs or require the preferred lender and title provider. An unused credit may not become cash or a price reduction. Compare the full lender package because a large credit can be offset by a higher rate or fees.
Sources
- Consumer Financial Protection Bureau — Loan Estimate Explainer
- Consumer Financial Protection Bureau — Closing Cost Changes
- Consumer Financial Protection Bureau — Points and Lender Credits
- Utah Department of Commerce — HOA Homebuyer Checklist
This article provides general real-estate information and is not legal, tax, lending, appraisal, engineering, or inspection advice. Market conditions and property circumstances vary.
Author: Todd McClean, Realtor® | Real Estate Investment Strategist, Mountainland Realty, Inc.. Reviewed March 6, 2026. This page provides general Utah real estate market information and is not legal, tax, accounting, lending, securities, commodities, or financial-planning advice.
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