Buying · July 14, 2026
Closing Costs in Arizona: What Buyers and Sellers Actually Pay
A clear breakdown of Arizona closing costs for a North Central Phoenix transaction, including escrow, title, prorations and who customarily pays what.
The short answer
Arizona buyers typically pay lender, appraisal, inspection and escrow-share costs while sellers typically pay the owner's title policy and their share of escrow, with property taxes and irrigation prorated at closing.
Nothing in a purchase contract is fixed by law here, but there are strong local customs, and knowing them keeps you from negotiating against yourself.
Typical buyer costs
- Lender origination, underwriting and points if elected.
- Appraisal and credit report.
- Home inspection, termite inspection and any specialty inspections.
- Share of escrow fee, recording fees and prepaid items.
- Homeowner's insurance premium and impound funding.
Typical seller costs
- Owner's title insurance policy, customarily seller-paid in Arizona.
- Share of escrow fee.
- Brokerage compensation as negotiated.
- Payoff of existing liens, plus any negotiated repairs or credits.
- Prorated property taxes and any HOA transfer items.
Corridor-specific items
Flood irrigation accounts are prorated and transferred, and any private well, shared driveway or easement arrangement needs to be handled in escrow rather than assumed. Older homes also more frequently involve permit resolution costs, which should be identified during inspection and negotiated explicitly.
Getting real numbers
Ask for an estimated settlement statement early. Any competent escrow officer will produce one, and it converts a vague worry into a line-item budget.
Questions people ask
- Who pays title insurance in Arizona?
- By local custom the seller typically pays for the owner's title policy, while the buyer pays for any lender's policy required by their loan.
- How much are closing costs in Phoenix?
- They vary by loan and price, but buyers should plan for lender, inspection, escrow and prepaid items, while sellers plan for title, escrow share, brokerage compensation and prorations.
