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Home / Arizona / Arizona Closing Costs
For buyers, 2026 · 220+ lenders
Closing costs are the fees and prepaid items you pay to complete a home purchase, separate from the down payment. In Arizona they have a few local features: closings are typically handled by a licensed escrow agent or title company, the state charges a $2 real estate transfer fee rather than a percentage-based transfer tax, and an Affidavit of Property Value is recorded with most deeds. We walk you through your Loan Estimate so the numbers are yours, not a guessed statewide average.
Illustrative categories. Your actual costs appear on your Loan Estimate and Closing Disclosure. Who pays which item is often negotiable.
Most of a buyer's closing costs are the same categories you would see in any state. The Arizona differences are the $2 transfer fee, the affidavit, the escrow-company closing, and the absence of a percentage state transfer tax.
We could invent a "typical 2 to 5 percent" figure. We will not, because Arizona does not publish an official average closing-cost percentage, and your file will not match a blog average anyway. Your Loan Estimate is the document that matters.
Arizona Revised Statutes 11-1132 requires the county recorder to collect a fee of two dollars before recording a deed or contract relating to the sale or transfer of real property. That is a flat fee, not a percentage of the price. It is included in the amount charged under ARS 11-475.
ARS 11-1133 requires an affidavit of the seller and the buyer, in a form approved by the Arizona Department of Revenue, to be appended when most deeds and sale contracts are recorded. It reports consideration, legal description, parcel number, and other facts used for property-tax records.
Arizona transactions are typically closed by a licensed escrow agent or title company, not by a closing attorney (an attorney can be involved, and is not required by the fact of a standard purchase). Title insurance and escrow fees are among the larger third-party costs.
Home Plus and Home in Five can be used for closing costs as well as down payment, subject to eligibility. See Arizona down payment assistance.
A seller can agree to pay some of your closing costs, within the limits of your loan type (for example, FHA generally allows interested-party contributions up to 6% of the sales price). Credits are negotiated, not automatic.
Use this as a map. Use your Loan Estimate as the measurement.
The Consumer Financial Protection Bureau requires your lender to give you a Loan Estimate after you apply and a Closing Disclosure before you sign. Those forms group costs in a consistent way. The list below follows that idea, in plain language. Dollar amounts vary by lender, title company, loan amount, and county, so we describe the category rather than invent a number.
Charges from the lender or broker to make the loan, which may include an origination fee, application or underwriting fee, and similar items. These should be listed clearly on the Loan Estimate. Discount points, if you choose them, are a separate decision and are not required. We do not quote interest rates or APRs on this page.
An appraisal, a credit report, and a flood determination are typical items the lender requires. Title search, title insurance, and the escrow or settlement fee are typical items you may be able to shop. The CFPB's Loan Estimate is built to show that distinction so you can compare.
A lender's title policy protects the lender. An owner's policy protects you. In Arizona these are issued in a closing run by a title or escrow company. Who pays for which policy is often a matter of local custom and negotiation, and should be written into the purchase contract.
The escrow agent holds funds and documents, pays off prior liens, records the deed and mortgage, and disburses proceeds. Arizona licenses escrow agents. This fee is a standard line on an Arizona Closing Disclosure.
County recorders charge recording fees for the deed, the deed of trust, and related documents. Those fees are set locally and vary with the document and the number of pages. On top of that structure, ARS 11-1132 requires a two-dollar real estate transfer fee, collected before recording a deed or contract of sale, and included in the amount charged under ARS 11-475. Arizona does not add a percentage-of-price state real estate transfer tax.
ARS 11-1133 requires a signed affidavit, in a Department of Revenue form, with most recorded deeds and sale contracts. It includes the names and mailing addresses of buyer and seller, the legal description, the situs address, the date of sale, the total consideration and the type of financing, the parcel number, the relationship of the parties, and the use of the property. Some transfers are exempt under ARS 11-1134. Completing the affidavit is part of a normal Arizona closing; your escrow officer will typically prepare it for signatures.
You typically prepay daily interest from the closing date to the first of the next month, the first year of homeowners insurance, and often several months of property taxes and insurance into an escrow (impound) account. These are not "fees" in the same sense as an appraisal. They are your own housing costs, paid at closing so the account is funded. Arizona property taxes are a matter of local assessed value and tax rates; this page does not provide a tax estimate.
If the home is in an HOA or a planned community, you may owe a transfer fee, a setup fee, or prepaid assessments. A survey, a pest inspection, or a well or septic inspection can appear on some Arizona properties, especially outside the core of a city or on rural land. USDA and FHA property requirements can also trigger inspections.
Your Closing Disclosure, received at least three business days before closing on a typical purchase mortgage, is the final itemized list. If a number moves in a way the law does not allow, you have the right to ask why. The CFPB explains those tolerances in its Closing Disclosure and Loan Estimate materials.
The honest way to get a number is to run your file, not to borrow someone else's percentage.
Closing costs are one of the reasons Arizona down payment programs are useful, because both major programs can be applied to cash to close, not only to the down payment.
The second loan may fund up to 100% of your cash requirement to close, including closing costs, prepaid items, and upfront mortgage insurance, subject to eligibility. Up to 4% of the first mortgage. Forgiven on the fifth anniversary. See Arizona down payment assistance.
Second-loan proceeds may be used to fund up to 100% of cash to close, including real estate broker fees, subject to eligibility. 3% to 6% of the first mortgage, depending on the option.
Your purchase contract can ask the seller to credit closing costs. FHA generally allows interested-party contributions up to 6% of the sales price. Conventional, VA, and USDA have their own caps. A credit cannot usually be used to give you cash back beyond a refund of documented prepaids. We will check the cap for your loan type before you write the offer.
Some pricing choices trade a credit toward closing costs against other loan terms. Because this site does not quote rates or APRs, we will show that trade-off on a Loan Estimate when you apply, with the required disclosures, rather than on this page.
First-time buyers should also see Arizona first-time home buyer programs and our free First-Time Homebuyer Webinar. For a sense of how large a loan you can request in Maricopa County, see 2026 Maricopa County loan limits.
We are not publishing a single 'average Arizona closing cost' dollar figure or percentage. No official Arizona agency publishes a current statewide average that we could responsibly put on a consumer page, and a made-up average would be more misleading than helpful. If you want numbers for a specific price and county, we will produce a Loan Estimate.
An illustrative look at how closing costs show up in the process.
On a typical mortgage application, you receive a Loan Estimate that itemizes costs. Compare estimates from more than one lender. The CFPB explains how.
You should receive a Closing Disclosure at least three business days before closing, with the nearly final figures.
In Arizona you typically sign at a title or escrow company. The escrow agent records the deed, the deed of trust, and the Affidavit of Property Value, and collects the $2 transfer fee with the recording charges.
Once the deed is recorded and the loan funds, you receive the keys. Your first mortgage payment date is on the Closing Disclosure. All loans subject to approval.
Illustrative example. Timelines and requirements vary. All loans subject to approval.
Your escrow officer and your loan officer will give you a tailored list. This is the usual core.
The only reliable total is the one issued for your loan, price, and county.
For signing at escrow, and for the affidavit.
Wire or other accepted funds, in the amount on the Closing Disclosure, which may be reduced by assistance or a seller credit.
Typically bound before closing, with a prepaid premium.
If you are using Home Plus or Home in Five, finish the course before closing.
Close a loan with another lender at a lower combination of interest rate, fees, and monthly mortgage insurance, and we'll send you a $2,000 check.
They vary by lender, title company, loan amount, and county, and they include prepaid items (interest, insurance, and often tax and insurance escrow) as well as fees. Arizona does not publish an official statewide average, so we do not invent one. The reliable figure is the Loan Estimate for your transaction. We will produce one when you apply.
Arizona does not charge a percentage-of-price state real estate transfer tax. It does charge a flat two-dollar real estate transfer fee, collected by the county recorder before recording a deed or contract of sale, under Arizona Revised Statutes 11-1132. That fee is included in the amount charged under ARS 11-475.
It is a form approved by the Arizona Department of Revenue, signed by buyer and seller (or an agent), that must be appended to most deeds and sale contracts at recording, under ARS 11-1133. It reports the sale price, the legal description, parcel number, and other facts. Some transfers are exempt under ARS 11-1134. Your escrow officer typically prepares it.
Arizona purchases are typically closed by a licensed escrow agent or title company, which holds funds, records documents, and disburses proceeds. A closing attorney is not required for a standard Arizona purchase, though you may hire one. Escrow and title fees are part of typical buyer (and seller) costs.
Yes, subject to eligibility. Home Plus and Home in Five both allow the program second loan to be used for closing costs and prepaid items, up to 100% of cash to close, within the program's assistance percentage. See Arizona down payment assistance.
It is negotiable and is often guided by local custom and by what you write in the purchase contract. Do not assume a rule until it is in the contract. Your Loan Estimate will show the amounts assigned to you.
On a typical purchase mortgage, you receive a Closing Disclosure at least three business days before closing. Compare it to your Loan Estimate and ask about any change you do not understand. The Consumer Financial Protection Bureau publishes guides to both forms.
Written by Jerry L Kindig III, NMLS #2397823, a mortgage loan originator licensed in Arizona. Loan Factory, NMLS #320841. Equal Housing Opportunity. Program rules, income limits, assistance amounts, and loan limits change. Confirm current terms with the program administrator and a licensed loan officer before you make a decision. All loans and assistance are subject to approval and eligibility. Nothing on this page is a promise of approval, a loan offer, or a commitment to lend.
Tell us the county and a price range, and a licensed loan officer will follow up with real figures, not an average. All loans are subject to approval.