The following data is what buyers and sellers can expect to pay when purchasing or selling a residential property in Arizona.  The buyer and seller can also negotiate in the purchase contract which fees they will pay.  For a VA loan there are certain buyer fees that must be paid for by the seller.

Typical Buyer / Seller Closing Costs

• Sellers Existing Loan
  • Loan information request
    Balance + interest + payoff fees
    Prepayment penalties, legal fees, other surprises
• Buyers New Loan
  • Origination & Discount Fees
    appraisal
    Credit report
    mortgage insurance Underwriting Fee
    Document Prep Fee
    Flood certification
    
• Title and Escrow Charges
  • fees for service (buyer and seller)
    Owners Title Policy (seller)
    ALTA Lenders Policy (buyer)
    Recording Fees (buyer)
    Reconveyance Tracking (seller)
    Endorsements (buyer)
    Express mail/delivery (buyer & seller)
• Transaction Fees
  • Wood Infestation Report (buyer)
    HOA Transfer Fee (as agreed to in purchase contract)
    HOA Maintenance (prorated)
    Home Warranty (as agreed to in purchase contract)
    1st Year Homeowner Insurance Policy (buyer)
    Flood Insurance if needed (buyer)
    Brokerage fee/Commission (seller)