Arizona Buyer Closing Costs Explained Line by Line

Fiduciary Advisory Framework

At least three business days before closing, your lender must provide the Closing Disclosure. Understanding prepaid interest, escrow reserves for county taxes, title insurance premiums, and loan origination fees protects you from last-minute settlement surprises.

Core Strategic Takeaways

• ✓Lender origination fees, discount points, appraisal charges, and credit report processing fees.
• ✓Prepaid property tax reserves: Maricopa County property taxes are billed in arrears in two semi-annual installments.
• ✓Homeowners insurance impounds: typically 12 months prepaid plus a 2–3 month escrow cushion.
• ✓How to successfully request seller-paid closing cost credits in contract negotiations.

Have Questions About This Buyer Playbook?

Tamara Painter represents buyers across Greater Phoenix with zero transactional sales pressure and complete data transparency.