Closing Cost Calculator for Arizona

Closing Costs in Arizona

Buyers in Arizona typically pay around $2,600 in total closing costs. Arizona imposes no mortgage recording tax. Title insurance and escrow fees are the primary closing cost components.

What's Included in Arizona Closing Costs?

• Transfer & recording taxes: Arizona imposes no mortgage recording tax. Title insurance and escrow fees are the primary closing cost components.
• Lender fees: Origination, underwriting, and processing fees — typically 0.5–1% of the loan amount regardless of state.
• Title insurance: Owner's and lender's policies, required in most Arizona transactions.
• Prepaid items: First year homeowner's insurance premium, prepaid property tax escrow, and prepaid interest.
• Escrow/attorney fees: Arizona typically uses title companies or escrow agents to close real estate transactions.

Home Values & Loan Context

With a median home value of $320,000 in Arizona, a 10% down payment buyer would borrow around $288,000. The conforming loan limit is $726,200 — Most Arizona counties are at the standard conforming limit. Scottsdale and parts of Maricopa County approach this ceiling.

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