Arizona closing cost calculator

Enter your price and down payment to view your purchase costs; the example begins with 20% down. Commission stays out of these totals until you type in a rate; once you do, the calculator works it in for you.

The buyer's breakdown on a $417,000 purchase price includes a $333,600 mortgage and $83,400 down. The costs total $8,098. The Zillow Home Value Index reports $416,733 as the September 2026 Arizona value, which is where that price comes from.

That comes to roughly 1.9% of the price. Add the down payment and cash to close comes to $91,498. Cash to close is the entire amount you bring with you on closing day. We have no title rate table for Arizona, so the owner's title policy figure comes from a national estimate.

For comparison, an owner-occupied home has a median property tax bill in Arizona of $1,879 a year, which is about 0.48% of the typical home's worth.

Know what closing costs and cash to close will be before you make an offer: enter your own price and down payment first.

Arizona is one of the states where no state transfer tax applies to a deed. Every deed or contract sent for recording gets a real estate transfer charge of $2 from the county recorder. Whatever the home price, the amount stays $2.

The Mohave County fee schedule sets recording the deed at $30, and recording the mortgage at $30 as well. Maricopa County charges those same fees. Your closing costs are mostly the loan fee, plus title insurance and homeowners insurance.

Closing costs for Arizona buyers come to $7,850 for a $400,000 home bought with 20% down. That figure equals the median across all 50 states and DC, leaving Arizona right in the middle.

Unless the deal qualifies for an exemption, an Affidavit of Property Value is required for real property transfers and sales. This brief state form shows the home's sale price. The listed sale date is the contract signing date, not the escrow closing date. Escrow is a neutral account where the money and documents sit until the sale is done.

Some transfers need neither the affidavit nor the $2 fee. Examples include residential transfers with only nominal consideration between family members such as spouses, siblings, parents and children, or grandparents and grandchildren. Deeds that only secure a loan or release one are exempt too. When a transfer is exempt, the deed itself must identify the law and exemption code. Follow this format: 'A.R.S. 11-1134 B3'.

In September 2026, typical Arizona values ran from $291,001 in the lower-priced third up to $684,890 in the higher-priced third. Estimated buyer closing costs, at 20% down, run from $5,013 in the lower-priced third up to $12,313 in the higher-priced third.

In the $417,000 example, no closing-cost lines fall to the seller before commission and any mortgage payoff. Arizona, our data shows, carries no seller-side transfer tax or fees. About $440 in costs before commission applies to sellers in the typical state on a $400,000 home. Our data puts Arizona at $0.

No commission appears until you add it. Nationally, buyer's agents charge 2.42% of the price on average, so put in your rate to see your estimate change.

Buyer closing costs in neighbouring states run from $8,038 to $8,124 for that same $417,000 home.

• Arizona: buyers pay $8,098, and the deed carries no tax.
• California: buyers pay $8,038, and the deed tax comes to $459.
• Colorado: buyers pay $8,124, and the deed tax is $42.
• Nevada: buyers pay $8,038, and the deed tax comes to $1,626.
• In New Mexico, buyers pay $8,088, and the deed has no tax.
• Utah: buyers pay $8,118, with no tax on the deed.

Arizona charges no state transfer tax at all. You skip a cost that California, Colorado and Nevada buyers or sellers can face. Who pays it depends on the deal, so it may fall on the buyer or the seller; it isn't always counted in the buyer totals. Put your own numbers into the calculator and see the result you get.