Seller Closing Costs in Arizona

Q: How much are typical seller closing costs in Arizona?

Most sellers pay 6%–8% of the sale price, including commissions, title fees, HOA fees, and prorated taxes.

Q: Who pays closing costs in Arizona — the buyer or the seller?

Both pay their own sets of fees, but sellers typically cover commissions, owner’s title insurance, and HOA transfer fees.

Q: What’s the biggest closing cost for Arizona sellers?

Agent commissions, usually 5%–6%, split between the buyer’s agent and the listing agent.

Q: Do sellers have to pay for title insurance in Arizona?

Yes. Sellers typically pay for owner’s title insurance, which protects the buyer from title issues.

Q: How much do HOA transfer and disclosure fees cost?

HOA fees range from $200–$1,500, depending on the community. Some HOAs charge rush fees if documents are needed quickly.

Q: What repairs do sellers usually pay for?

Sellers often cover repairs related to HVAC, roof, water heater, plumbing, or pool equipment, or offer credits instead.

1 Agent commissions

5%–6% (split between buyer & seller agents)

2 Title & escrow fees

$1,200–$2,500 (varies)

3 Owner’s title insurance

$1,000–$4,000 (varies)

4 HOA fees & transfer costs

$200–$1,500 (varies)

5 Buyer concessions (optional)

$0–$10,000+ (varies)

6 Repairs or credits

varies

7 Misc. fees (recording, courier, mobile notary)

$50–$300

❓ Frequently Asked Questions for Seller Closing Costs in Arizona

How much are typical seller closing costs in Arizona?

Most sellers pay 6%–8% of the sale price, including commissions, title fees, HOA fees, and prorated taxes.

Who pays closing costs in Arizona — the buyer or the seller?

Both pay their own sets of fees, but sellers typically cover commissions, owner’s title insurance, and HOA transfer fees.

What’s the biggest closing cost for Arizona sellers?

Agent commissions, usually 5%–6%, split between the buyer’s agent and the listing agent.

Do sellers have to pay for title insurance in Arizona?

Yes. Sellers typically pay for owner’s title insurance, which protects the buyer from title issues.

What are escrow fees, and who pays them?

Escrow fees cover the neutral third‑party handling the transaction. In Arizona, these fees are often split 50/50, but this can vary.

How much do HOA transfer and disclosure fees cost?

HOA fees range from $200–$1,500, depending on the community. Some HOAs charge rush fees if documents are needed quickly.

Are seller closing costs negotiable?

Some are. You can negotiate concessions, repairs, and certain fees — but commissions and title insurance are less flexible.

Do sellers have to pay buyer concessions?

No. Concessions are optional but common in slower markets or with FHA/VA buyers.

What repairs do sellers usually pay for?

Sellers often cover repairs related to HVAC, roof, water heater, plumbing, or pool equipment, or offer credits instead.

What happens if the buyer asks for closing cost assistance?

You can agree, decline, or counter. Concessions typically range from $2,000–$10,000, depending on the market.

Do sellers pay property taxes at closing?

Yes. Arizona taxes are paid in arrears, so sellers owe prorated taxes up to the closing date.

Are there fees for paying off my mortgage?

Yes. Expect a loan payoff fee, interest through the closing date, and possibly a reconveyance fee.

Do sellers pay for the home warranty?

It’s optional. Some sellers offer a home warranty as a buyer incentive, typically costing $400–$700.

Can closing costs be deducted from my sale proceeds?

Yes. Most fees are automatically deducted from your proceeds at closing — you don’t pay them out of pocket.

How can I estimate my net proceeds before listing?

Review expected commissions, title fees, HOA costs, prorated taxes, and potential repairs or credits. A net sheet or closing cost breakdown gives a clear estimate.

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