State rules / Prepayment Penalty Rules
Utah prepayment penalty rules
For high-cost mortgage loans, Utah permits prepayment penalties but limits them to a maximum of 36 months after loan origination and caps the penalty at 80% of the total interest from the six scheduled payments immediately preceding prepayment. For residential first-lien mortgage loans that are not high-cost, the provided text does not impose any state-specific restrictions.
Prepayment Penalty Rules in other states
- South Carolina prepayment penalty rules
- Tennessee prepayment penalty rules
- Texas prepayment penalty rules
- Vermont prepayment penalty rules
- Virginia prepayment penalty rules
- Washington prepayment penalty rules
- Compare all 44 states
Researched and verified against primary sources by AI, with the controlling citation above. Not human-reviewed and not legal advice — confirm against the cited source before relying on it. Last updated July 6, 2026.