Arizona closing cost calculator

Arizona buyers pay no transfer or mortgage tax. They usually pay for the lender’s title policy, any upgrade to extended owner’s coverage, and a share of the escrow fee.

Arizona’s rules checked September 30, 2026Runs in your browser. Nothing you type is saved.

State Closing date

Arizona: Affidavit fee: a flat $2, and who pays varies. Owner’s title is usually paid by the seller.

Purchase price

$

The loan

Loan type

Down payment

Interest rate

%

Term

Estimated cash to close $92,143

1.7%closing costs

Purchase price$425,000
Down payment (20%)$85,000
- Loan amount$340,000
Loan costs+$4,100
- Origination and lender feesest.+$3,400
- Appraisalest.+$700
Title and closing+$1,350
- Lender’s title insuranceest.+$500
- Settlement or escrow feeest.+$600
- Recording feesest.+$250
Taxes−$3,934
- Affidavit fee+$2
- Property tax credit from the sellerest.−$3,936
Prepaids and escrow+$5,177
- Homeowner’s insurance, first yearest.+$2,125
- Prepaid interest (27 days)est.+$1,635
- Property tax escrow (3 months)est.+$1,063
- Insurance escrow (2 months)est.+$354
Other costs+$450
- Home inspectionest.+$450
Cash to close$92,143

Estimated monthly payment$2,680

Principal and interest$2,149
Mortgage insurance$0
Property taxes$354
Insurance$177
HOA dues$0

An estimate, not a Loan Estimate or Closing Disclosure. Your lender's Loan Estimate and the title or escrow company give the final figures. Rates, fees and insurance vary by lender and property.

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A Arizona purchase, worked out

The calculator opens on $425,000, about the median value of an owner-occupied home in Arizona ($426,000, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $92,143: $85,000 down and $7,143 in closing costs, 1.7% of the price. Arizona’s taxes on the buyer come to $2 of that: affidavit fee $2. The monthly payment comes to about $2,680, with property tax and insurance.

Cash to close on $425,000, 20% down
Down payment	$85,000
Origination and lender feesest.	+$3,400
Appraisalest.	+$700
Lender’s title insuranceest.	+$500
Settlement or escrow feeest.	+$600
Recording feesest.	+$250
Affidavit fee	+$2
Property tax credit from the sellerest.	−$3,936
Homeowner’s insurance, first yearest.	+$2,125
Prepaid interest (27 days)est.	+$1,635
Property tax escrow (3 months)est.	+$1,063
Insurance escrow (2 months)est.	+$354
Home inspectionest.	+$450
Cash to close	$92,143

Estimates are tagged “est.”; Arizona’s taxes follow its rules. A “−” is a credit, like the seller’s share of this year’s property tax where it’s paid after the year ends.

At other prices

Arizona has no state tax of its own on the buyer. Who pays the affidavit fee varies; the calculator counts it for the buyer, and you can switch it. Each row has 20% down on a conventional loan.

Price	Arizona’s buyer taxes	Closing costs	Cash to close	Monthly payment
$250,000	$2	$5,524	$55,524	$1,597
$500,000	$2	$7,962	$107,962	$3,153
$750,000	$2	$10,852	$160,852	$4,730
$1,000,000	$2	$13,802	$213,802	$6,307
$2,000,000	$2	$25,601	$425,601	$12,613

Buying in Arizona: what to know

No buyer’s taxes

Arizona has no buyer-paid transfer or mortgage tax. Beyond recording fees, the only charge is the $2 affidavit fee, which escrow handles.

Affidavit fee

Arizona has no real estate transfer tax based on price. The county recorder collects a $2 fee with the Affidavit of Property Value that accompanies the deed, and it is usually just part of escrow charges. Since 2008 the Arizona Constitution has barred any new state or local tax on real property transfers.

Title insurance

By Arizona custom the seller pays for the standard owner’s policy, and the buyer pays for any upgrade to an extended or homeowner’s policy plus the lender’s policy. Escrow fees are commonly split. Confirm the split in your purchase contract.

Who runs the closing

Escrow companies close Arizona sales. An attorney isn’t required.

Property taxes and escrow

Arizona taxes are billed for the calendar year and paid in arrears in two halves: the first is due October 1 (delinquent after November 1) and the second March 1 of the next year (delinquent after May 1). At closing the seller usually credits the buyer for the unpaid part of the year.

Buying in Arizona: questions

What is the $2 affidavit fee in Arizona?

It is the fee the county recorder collects with the Affidavit of Property Value filed with every taxable deed. It is the only transfer charge in Arizona and is usually folded into escrow costs.

Who pays escrow fees in Arizona?

Escrow fees are commonly split between buyer and seller in Arizona, though the purchase contract can assign them differently.

Should an Arizona buyer upgrade to an extended owner’s policy?

It’s optional. The seller customarily pays for the standard owner’s policy, and a buyer who wants extended or homeowner’s coverage pays the difference.

How much are closing costs in Arizona?

On a $425,000 home with 20% down on a conventional loan, the calculator’s estimates put a Arizona buyer’s closing costs at about $7,143, or 1.7% of the price, and cash to close at $92,143. Arizona’s taxes on the buyer come to $2 of that: affidavit fee $2. Lender fees, insurance and the rate vary, so put in your lender’s Loan Estimate for a closer number.

Is anything I type saved?

No. The calculator runs in your browser and sends nothing to us. A copied link carries the numbers in the address itself, so only people you share it with can open them.