Closing costs in Arizona
On a $500,000 home with 20% down, buyers in Arizona typically pay about $7,092 to $15,917 at closing, including prepaid taxes and insurance.
Typical buyer total1.4%–3.2%Of the price, 20% down
Closings handled byA title or settlement companyCustomary in the state
Buyer-paid taxesNoneTransfer taxes are seller-paid or not charged
Buyer-paid taxes
| Tax | On $500,000 with 20% down | Note |
|---|---|---|
| None for buyers | $0 | Arizona has no real estate transfer tax (only a small flat affidavit fee) and no mortgage tax. |
Estimated closing costs by price
| Price | Loan | Closing costs | Share of price |
|---|---|---|---|
| $300,000 | Conventional, 20% down | $5,795 – $12,630 | 1.9%–4.2% |
| $300,000 | FHA, 3.5% down | $6,144 – $13,542 | 2.0%–4.5% |
| $500,000 | Conventional, 20% down | $7,092 – $15,917 | 1.4%–3.2% |
| $500,000 | FHA, 3.5% down | $7,673 – $17,436 | 1.5%–3.5% |
| $750,000 | Conventional, 20% down | $8,713 – $20,025 | 1.2%–2.7% |
| $750,000 | FHA, 3.5% down | $9,584 – $22,304 | 1.3%–3.0% |
Who pays what in Arizona
Arizona has no real estate transfer tax (only a small flat affidavit fee) and no mortgage tax.
By custom here the seller usually pays for the owner’s title policy; the buyer pays for the lender’s policy.
Questions
How much are closing costs for buyers in Arizona?
Often about 1.4% to 3.2% of the price with 20% down, including prepaid taxes and insurance.
Do buyers pay transfer tax in Arizona?
No. Arizona has no real estate transfer tax (only a small flat affidavit fee) and no mortgage tax.
More for Arizona
Sources: Arizona Department of Revenue. Fees are typical ranges, not quotes; your Loan Estimate lists the actual costs.