Arizona seller net sheet and closing costs

In Arizona, the seller usually pays the agent commission, their own loan payoff and the owner's title policy. The buyer usually pays the lender fees and the lender's title policy. Buyer and seller usually split the settlement or escrow fee.

The seller usually pays for the owner's title policy in Arizona. In Arizona, each title insurer files its own rates. So prices differ between title companies. The net sheet uses typical rates. The title company that runs the closing gives the final quote. An escrow company usually handles the closing.

No transfer tax. Escrow closings; escrow fee split.

NetSheet.org is not tied to any title company. The net sheet works with any title or escrow company. See how it compares with title company net sheet tools.

Each side pays the taxes for the days it owns the home. Property taxes in Arizona are paid in arrears, after the period they cover. So the seller usually credits the buyer for unpaid days up to closing. Taxes run about 0.6% of the home's value per year. Calendar year, billed Sep; halves due Oct 1 and Mar 1 (in arrears). Seller credits buyer for unpaid days.

• azdor.gov

Checked 2026-09-30. A net sheet is an estimate. It is not a closing statement or tax advice. The title or escrow company gives the final figures. See a rate that looks wrong? Email [email protected].