• Facebook
  • Twitter
  • Google+
  • LinkedIn
Although most costs involved in a real estate transaction can be negotiated between buyer and seller, there are a lot of costs that are traditionally paid by one party or the other.


In the state of Arizona, the SELLER can generally be expected to pay the following:

  • owner’s policy of title insurance
  • homeowners association disclosure fees
  • real estate commissions (for both buyer and selling agent)
  • escrow fees (50%)
  • payoff all existing loans, liens and encumbrances including all associated costs and fees
  • pro-rated portion of real estate taxes
  • recording fee (50%)

In the state of Arizona, the BUYER can generally be expected to pay the following:

  • lenders policy of title insurance
  • endorsement fee for title insurance
  • escrow fees (50%)
  • impounds and interest on new loan
  • all new loan charges (including appraisal, origination and discount fees, document prep, etc)
  • home owners insurance
  • homeowners association reserve amounts due
  • recording fee (50%)

Generally, the cost of a home warranty and transfer fees for the homeowners association are negotiated with no general tradition to who pays (it really depends on what type of market it is).

Would you like to receive a FREE hardcopy Arizona Buyer’s Guide in the mail which contains all this closing costs information (and more) as well as information on the following: real estate definitions and terms to know, chart of the entire home buying process, buyer property checklist, a copy of a blank contract, and a complete home buyer’s advisory?   If so, please click here or email me at [email protected] with your name and address.

If you have any questions about closing costs or anything else related to a real estate transaction, please don’t hesitate to contact me anytime!  I am always here to help.



Join my mailing list to receive the latest news and updates from me and my team.

You have Successfully Subscribed!