Closing costs in Utah usually range from 2% to 5% of the home’s purchase price. These costs may include fees for appraisals, inspections, title insurance, and lender charges. Your loan officer can give you a personalized estimate based on your purchase.

For example, on a $300,000 home, buyers can expect to pay between $6,000 and $15,000 in closing costs. 

The most common loans among Utah buyers are:

• Conventional Loans – Flexible terms with competitive interest rates. Often preferred by buyers with strong credit and larger down payments, though options with as little as 3% down are available.

• FHA Loans – Backed by the Federal Housing Administration, these are popular with first-time buyers. They allow lower credit scores and down payments starting at 3.5%.

• VA Loans – Available to eligible veterans, active-duty service members, and surviving spouses. VA loans require no down payment and no private mortgage insurance (PMI).

• USDA Loans – Designed for qualifying buyers in rural and suburban areas. These loans also offer no down payment and reduced mortgage insurance costs.

Utah’s public schools generally perform well, with certain districts consistently standing out for academics, graduation rates, and student growth. While there’s variation by area, many families see school quality as a key decision point in choosing where to live.

• Top districts often include Alpine, Davis, and Canyons, which regularly receive high marks on Niche for overall student outcomes and college readiness.

• Notable schools like Ensign Elementary in Salt Lake and Skyline High School in Millcreek are frequently ranked among the best in the state. 

• The state releases annual School Report Cards showing metrics like test proficiency, growth, and graduation rates—available through the Utah State Board of Education’s site. 

For full performance details and comparisons by school or district, check out the Utah School Report Card.