Arizona closing cost calculator
Buyer-side closing costs for Phoenix, Scottsdale, Tucson, and Mesa.
Arizona is one of the cheapest states in the country for closing costs. There's no state transfer tax. Title companies handle closings (no attorney required). The biggest line items are lender fees and the title insurance premium. Property taxes are also below the national average at about 0.62%.
Worked examples
Real numbers for common scenarios. These are estimates - your final closing disclosure will reflect the exact fees your specific loan and property require.
Scenario
$465,000 home in Phoenix, 10% down
Inputs
- Sale price
- $465,000
Estimate
- Lender fees
- $1,950
- Title (lender's policy)
- $525
- Escrow fee
- $475
- Initial escrow + recording
- $3,100
- Estimated buyer closing costs
- $6,050
Run your own numbers
The calculator gives you the same itemized breakdown for any price, down payment, loan type, and location.
Open the calculatorFrequently asked questions
Does Arizona have a real estate transfer tax?+
No. Arizona is one of about a dozen states with no state, county, or city transfer tax on real estate. There's a flat $2 "affidavit of value" recording fee - that's it.
All numbers shown are estimates for planning purposes. Closing costs, taxes, and fees vary by lender, title company, county, and individual transaction. LoanElk is not a lender, broker, or financial advisor. Your final Loan Estimate and Closing Disclosure are the authoritative figures.