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Understanding Closing Costs in Arizona

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“Closing costs eat away a seller’s profit, that why Patriot Flip covers all closing costs! Fill in the form above to request your FREE Cash Offer today!


When buying or selling a home in Arizona, it’s essential to understand the closing costs associated with a real estate transaction. Closing costs refer to fees paid when finalizing a transaction and can vary depending on the state, property type, and other factors.

Closing expenses in Arizona differ for buyers and sellers, so it’s crucial to know what to expect. Buyers typically cover costs like loan fees, title insurance premiums, appraisal fees, escrow fees, and other miscellaneous charges.

Sellers, on the other hand, may be responsible for title insurance premiums, escrow fees, HOA transfer fees (if applicable), and other service provider fees. However, Arizona is one of the 13 states that does not impose a transfer tax.

Before signing any agreements, it’s important to understand which fees apply to you and who is responsible for paying them. Any questions about these costs can be addressed by the title company or your real estate agent. Additionally, both buyers and sellers should carefully review their closing statement to ensure all costs are accurate and fairly distributed.

This guide will aid in understanding closing costs in Arizona helping ensure a smooth and well-prepared real estate transaction with no surprises at the closing table. Keeping reading to get started!


Table of Contents


Several factors will influence closing costs in Arizona’s real estate market. Here is a list of key factors affecting the closing costs:

Understanding closing costs in Arizona. Learning how to negotiate to get closing costs covered by the buyer or seller when selling a house in Arizona.
  1. Property Type and Location: Whether you’re dealing with a primary residence or rental property, the type of property plays a significant role in determining closing costs. Homes in bigger cities like, Phoenix AZ or Scottsdale AZ may have different fees compared to properties in rural or suburban areas like Greer AZ or Yuma AZ.
  2. Sale Price: The purchase price directly impacts closing costs, such as title insurance and escrow fees, which are often calculated as a percentage of the purchase price. Higher-value homes typically incur higher closing costs. An example of calculating a 6% closing cost on a $100,000 home is as follows: multiply $100,000 by 6% (or 0.06), resulting in a closing cost of $6,000.
  3. Loan Type: The type of financing also influences closing costs. Conventional loans, FHA loans, and VA loans each have specific fees associated with them, such as mortgage insurance premiums or funding fees. Buyers purchasing a home with cash can avoid many loan-related expenses.
  4. Market Conditions: Arizona’s real estate market will play a role in how offers are structured when purchasing a property. In a Buyers market, when there is more supply than demand, buyers will have more negotiating power and can request sellers to cover part or all of their closing costs. Vice versa, in a sellers market—where demand exceeds supply—or in a multiple offer situation, sellers will more than likely counter buyers asking them to cover any closing costs associated with the transaction.
  5. Negotiations and Seller Contributions: Closing costs can also be influenced by negotiations between buyers and sellers. For example, sellers may agree to cover a portion of the buyers closing costs to facilitate a quicker sale. This is a common tactic used by We Buy Houses or Arizona Cash Home Buying companies, such as Patriot Flip.

Understanding closing costs in Arizona. Complete guide to how much closing costs are when buying and selling a home cash in AZ. Create your own estimated closing sheet.


Closing costs in Arizona cover a wide range of fees and charges. Here’s a list closing costs associated with a real estate transaction in Arizona:

Title insurance protects the buyer and lender against potential title disputes or claims. Sellers often pay. for the buyer’s title insurance policy in Arizona, while buyers cover the lender’s policy.

Escrow fees are charged by the escrow company for managing funds and paperwork during the transaction. These fees are typically split between buyer and seller.

Buyers obtaining a mortgage will encounter fees such as loan origination, underwriting, and discounting points. These fees vary depending on the lender and loan type.

Property taxes are prorated based on the closing date, with sellers responsible for taxes up to date of sale. Buyers cover taxes for the remainder of the year.

Understanding closing costs in Arizona. Complete guide to how much closing costs are when buying and selling a home cash in AZ. Calculate your Prorated Taxes.

Additional costs may include home inspection fees, HOA transfer fees and recording fees. These can vary depending on the specifics of the transaction.

  • Home Inspection Fees: Home inspections are conducted by the buyer during their due diligence period after a purchase agreement is accepted. Generally, within the first ten days from acceptance. Lenders may require a home inspection to be conducted to ensure the property isn’t riddled with hidden issues.
  • HOA Transfer Fees: In Arizona, the maximum HOA transfer fee is $400. Though, some HOAs may charge additional fees, such as Capital Improvement fees and disclosure fees.
  • Recording Fees: Recording Fee refers to an expense a government agency charges for registering or recording the purchase or sale of real estate in Arizona. Recording fees are generally charged by the county where the transaction occurs, such as Maricopa County.

Closing costs in Arizona are shared between buyers and sellers, with each party typically responsible for specific expenses. Buyers are generally responsible for costs like loan origination fees, appraisal fees, credit report fees, and prepaid expenses (such as, property taxes and homeowners insurance). A bulk of these costs go towards ensuring the buyer’s financing is in order and the property meets lending requirements. If the buyer is purchasing all cash it will eliminate most of these expenses.

Sellers typically cover expenses such as real estate agent commissions, title insurance for the buyer, and escrow fees. They may also be responsible for prorated property taxes and, in some cases, HOA transfer fees (when applicable).

Certain costs, like escrow fees and title insurance, are often split between buyers and sellers, depending on local standards or depending on how the purchase agreement was negotiated between both parties.

Having an understanding of closing costs before submitting an offer can be beneficial, as you will know what to negotiate in your offer to the seller or in your counter offer to the buyer. If you’re knowledgeable, then you can request the other party covers the expense of specific closing costs.


Understanding closing costs in Arizona. Learning how to negotiate to get closing costs covered by the buyer or seller when selling a house in Arizona.

In Arizona, closing costs are negotiable but there are standards most real estate transactions will follow for who pays what. Buyers generally pay for loan-related fees, prepaid expenses, and the lender’s title insurance policy. They may also cover appraisal fees, inspection fees, and credit report fees.

Sellers usually cover real estate agent commissions, the buyer’s title insurance policy, and prorated property taxes. Also, sellers will cover HOA transfer fees in most cases. In some cases, the seller may contribute money towards the buyer’s closing costs as part of the negotiation. In a sellers market, a buyer may offer to cover the sellers expenses to make their offer more appealing.

An example, is a Arizona Cash Home Buyer, such as Patriot Flip covering all of the seller and buyer closing costs.


Buyers and sellers in Arizona are both responsible for paying closing costs. Later in this guide, you’ll find strategies to help reduce these expenses. However, if no negotiations take place, here’s a detailed breakdown of the estimated costs typically associated with buying or selling a home in Arizona.

Buyer closing costs in Arizona will range between 2-5% on average when using a mortgage to purchase a property. This can vary drastically if the buyer is writing an all-cash offer. Below you will find a table of costs associated with closing on a house in Arizona. You’ll also find an actual Estimated closing sheet from a title company.

Buyer Closing Costs:Estimated Costs:Notes:
Loan Origination & Underwriting Fees1-1.5% of Total Loan AmountTotal Varies, depending on lender credits, loan amount, & credit score.
Home Inspection$400-$650(+/-)Generally, Priced by Total Size of Home.
Pest Inspection$200-$400(+/-)Most Home Inspectors offer as a package. You can also get some pest companies to give you a report & Estimated cost of work for free.
Mold Inspection$250-$1000Mold inspection can be rare in parts of Arizona, because of dryer climate in the Valley.
Credit Report Fees$25-$75Ask the lender to cover this.
Home Appraisal $500-$750Ask the lender to cover this. In the example closing statement below, the lender covered this for the buyer.
Title & Escrow Fees$1200-$3000(+/-)This will vary depending on a number of factors. This is a good one to ask the seller to cover part or all.
Recording Fees$50-$75
HOA Fees(Varies)If the property is located in an HOA community, you will receive the fees and costs on the HOA Addendum upon getting the offer accepted. Or you can call the HOA management company upfront.

Below you will find an actual estimated Buyers Closing Costs statement from a local Arizona title company. The numbers are based on the purchase of a $500,000 property using a $400,000 loan amount. Numbers are estimated and this is an example only. If you would like an estimated closing statement for your home, you can contact me, here.

Estimated Closing Costs sheet for a buyer in Arizona. When you sell my house fast in arizona to a cash buyer like patriot flip we cover all closing costs.
Estimated Closing Costs sheet for a buyer in Arizona. When you sell my house fast in arizona to a cash buyer like patriot flip we cover all closing costs.

Seller closing costs in Arizona will range from 5-8%. This will vary depending on a number of factors, from how much you pay in commissions, taxes, and if you live in an HOA community. Below you will find a table detailing the different closing costs generally associated with the sale of a home in Arizona. Further below you will find an actual Seller estimated closing statement.

Seller Closing Costs:Estimated Costs:Notes:
Commission Fees5-6% totalLaws have changed as of recently & this fee can vary. Generally, the seller will pay both the buyer & listing agent (2.5-3% each)
Title Service Fees0.42% AverageThis is a % of total sales price.
Title Insurance0.35% AverageThis is a % of total sales price.
Property Taxes(Varies)Depending on outstanding property taxes at closing.
Mortgage Payoff(Varies)Depending on outstanding loan amount at time of closing.
HOA Transfer Fees(Varies)If property is located in an HOA community, you may be charged transfer fees. As well as HOA Document fees.
Recording Fees$50-$75

Below you will find an actual estimated Seller Closing Costs statement from a local Arizona title company. The numbers are based on the sale of a $500,000 property. Numbers are estimated and this is an example only. If you would like an estimated closing statement for your home, you can contact me, here.

Estimated Closing Costs sheet for a buyer in Arizona. When you sell my house fast in arizona to a cash Seller like patriot flip we cover all closing costs.

An estimated settlement statement can have a number of names. I’ve seen it called an Estimated Net Sheet or just a Closing Statement. However you or your state and area choose to call it, it’s a valuable financial document detailing the closing costs associated with the real estate transaction. On the Estimated Settlement Statement, you’ll see two columns for both the buyer and seller, titled Credit and Debit. If you see a balance under the credit or debit section will inform you as the buyer or seller whether you are being charged or if you are receiving a profit. Debit means its a charge. Credit means you are receiving a profit.

This can be a beneficial tool for preparing for a sale as a seller providing an accurate estimate of their net proceeds, while buyers gain insights into the total costs they need to prepare for.

Take a moment to review two real life examples from real estate transactions here in Arizona. See below for examples:

The estimated settlement statement goes out to both parties to review and to agree all expenses are correct. It’s crucial to verify line-by-line that all expenses are correct and that you are not over paying for unnecessary charges. If you are confused by anything it’s important to ask your realtor or the title representative handling your transaction.

Once both parties have agreed the estimated closing statement is correct, the final settlement statement will be sent out for signatures or be apart of your closing documents to be signed.

Understanding Closing Costs in Arizona when selling my house fast for cash to a cash house buyer in Arizona like Patriot Flip.
Understanding Closing Costs in Arizona when selling my house fast for cash to a cash house buyer in Arizona like Patriot Flip.

Having an estimated settlement statement is a crucial step in ensuring a smooth real estate transaction. Whether you’re buying or selling a property in Arizona, working with a professional to create this document can save time, reduce stress, and ensure there are no surprises at the closing table.


When it comes to selling or buying a house in Arizona, you may be looking for ways to save money on closing costs. In this section, we’ll explore practical solutions that sellers and buyers can use to minimize their total closing costs.

Understanding closing costs in Arizona. Learning how to negotiate to get closing costs covered by the buyer or seller when selling a house in Arizona.

Yes, it’s true—everything is negotiable—but both parties must ultimately agree. Surprisingly, many buyers and sellers avoid asking for what they truly want, often out of fear of upsetting the other party or jeopardizing the deal. However, there is a delicate balance: asking for too much or being unreasonable can cause a deal to fall apart. The key lies in finding the sweet spot between pushing boundaries and respecting reasonable expectations. The goal is to ensure both parties feel satisfied, walking away with their expectations met. When this balance is achieved, you’ve successfully found the ideal middle ground. You can’t know where that middle ground is, unless you ask. So don’t be fearful to ask for what you want.

Here are steps you can take to reduce your closing costs:

  • Negotiate With the Other Party: Sellers can negotiate that buyer come out of pocket to cover part of their closing costs, especially in a multiple offer situation. Buyers can also negotiate for the seller to pay part or all of their closing costs. At the time of writing, Arizona is considered to be in a Buyers Market. This would be an ideal time for a buyer to negotiate with a seller to cover fees.
  • Shop Services: Compare for services like title insurance, escrow, and inspections for the best rates. Sellers and real estate agents will try and direct buyers to use the title company they may have already pre-opened title with. Don’t feel pressured to use their title company. As the buyer, you have all the right to choose the title and escrow company in Arizona.
  • Use an Arizona Cash Home Buyer: Working with an AZ Cash Home Buyer like, Patriot Flip can eliminate many traditional closing costs associated with selling a house in Arizona.
  • Roll-Closing Costs: This option doesn’t eliminate the expense of closing costs but delays paying them at the time of closing on the property. In some situation, a buyer can work with their lender to roll closing costs into the total loan amount. This can be beneficial in a short-term purchase strategy, where having more cash in the immediate time frame is advantageous. Such as a fix n’ flip purchase.
  • Review & Double Check Estimates: By double checking and reviewing lender documents and your settlement statements, you can save yourself from paying unnecessary fees. You would hope that the service providers are organized and not over charging but with anything, it pays to do you due diligence.

By implementing these negotiation strategies upfront, you could save hundreds—or even thousands—of dollars by requesting the other party to cover closing costs or fees associated with buying or selling a house in Arizona. Being diligent in your approach is essential, especially when working with service providers. It’s better to ask and be told no, then to never have asked at all.


Arizona Cash Home Buyer, helping homeowners and Sellers Sell My House Fast in Arizona to a trusted cash home buyer like Patriot Flip. We are much more than a typical We Buy Houses in Arizona Company.

The surest way to skip paying closing costs, is to work directly with a cash home buyer. Cash home buyers purchase homes as-is. At Patriot Flip, we cover all of the closing costs for the seller. This is especially beneficial when a seller is searching for ways to Sell My House Fast in Arizona, and doesn’t want to deal with the traditional sales route. This allows you to not worry about buyers requesting you to pay for their closing costs, now will you need to pay for requested repairs, entertain showings or even clean the property.

This isn’t the right fit for every seller though, we usually work with homeowners who have recently inherited a home, or are going through a divorce or trying to avoid foreclosure.

If the property is in tip top shape, and you have the time to wait 30-90 days for the home to sell on the MLS, then this is the right option for you.

See what we will offer you today for your house in Arizona!

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As you can see Closing Costs in Arizona are diverse and can be a little confusing if this is your first time closing on a property. Though after reading this detailed article you should be better informed on the general costs associated with closing a property in Arizona. It’s crucial to use the resources at your disposal, and lean on the title company or a real estate agent, if you’re using one.

If you’re interested in seeing what a cash buyer can offer you for your home to skip paying closing costs, fill out the form above to get started. Or if you are simply interested in getting a list of trusted local Arizona vendors, contact us here.

Remember it will serve you best to double check you estimated closing documents to ensure you are not over paying for unnecessary charges. Lastly, always ask for what you want, if you don’t, no one else will.


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Patriot Flip is an Arizona Cash Home Buyer, helping homeowners Sell Houses Fast for Cash. Click on your City or one nearest to you to request a Cash Offer today.


As a We Buy Houses in Arizona Company, Patriot Flip helps Sell My House Fast in Arizona for the Best Cash Offer.

Author: Mark St. Peter

Mark St. Peter is a real estate professional with extensive experience in real estate investing, real estate sales and building businesses. He’s covered real estate across northern California, as well as Arizona.

Mark founded Patriot Flip to assist homeowners looking for alternative solutions for selling a property, rather than going the traditional route of paying commission, hidden fees and long waiting times.

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