Closing Costs
A working estimate based on real Arizona closings.
Purchase Price
Down Payment
Loan Type
Interest Rate
6.250%
Today's average rate from the Optimal Blue Index. Updated April 25, 2026.
Common fees to consider: HOA transfer, capital improvement, recreation pass, home warranty, HOA doc prep, septic / well inspection, solar transfer, or other deal-specific fees. Enter the combined total.
Total miscellaneous fees
Estimated Closing Costs
Low
$22,400
Mid
$24,800
High
$27,500
Origination Fees
LowMidHigh
Appraisal
$0
$0
$0
Credit report
$0
$0
$0
Flood certification
$0
$0
$0
MERS
$0
$0
$0
Tax service
$0
$0
$0
Underwriting
$0
$0
$0
Prepaid interest
$0
$0
$0
Origination subtotal
$0
$0
$0
Settlement & Title
LowMidHigh
Lender's title insurance
$0
$0
$0
Settlement / closing fee
$0
$0
$0
Notary / signing
$0
$0
$0
Endorsements, CPL, recording svc
$0
$0
$0
Title subtotal
$0
$0
$0
Third Party & Insurance
LowMidHigh
HOI premium (12 mo prepaid)
$0
$0
$0
HOI escrow cushion
$0
$0
$0
Insurance subtotal
$0
$0
$0
Taxes & Government Fees
LowMidHigh
Property tax escrow
$0
$0
$0
Recording fee
$0
$0
$0
Transfer / mortgage tax
$0
$0
$0
Taxes & gov subtotal
$0
$0
$0
Arizona has no real estate transfer tax or mortgage recording tax.
Total Closing Costs
$0
$0
$0
Cash to Close
Closing costs plus your down payment. This is the total you bring to the closing table.
LowMidHigh
Total closing costs
$0
$0
$0
Down payment
$0
$0
$0
Cash to Close
$0
$0
$0