Arizona Home Buying Guide
West Region · Non-Judicial Foreclosure State
Key Facts at a Glance
What Makes Arizona Unique
No real estate transfer tax
Fast 30-day non-judicial foreclosure process
Home Plus offers up to 5% down payment assistance
First-Time Buyer Programs in Arizona
AzHFA Home Plus
Contact your state housing finance agency for current eligibility and rates
Pathway to Purchase
Contact your state housing finance agency for current eligibility and rates
HOME Plus Program
Contact your state housing finance agency for current eligibility and rates
Program availability, income limits, and interest rates change frequently. Verify current terms with your lender or state housing finance agency.
Closing Costs in Arizona
Attorney at Closing
Attorney Not Required
Arizona does not require an attorney at closing. A title company typically handles the transaction. Consider hiring one anyway for complex deals.
Local Tips for Arizona Buyers
Phoenix metro is competitive — get pre-approved before shopping.
Arizona has no transfer tax, lowering closing costs.
Homestead exemption protects primary residence equity.
Estimated Annual Ownership Cost in Arizona
Based on the median home price of $410,000 with a 10% down payment and 7% mortgage rate.
Ready to Calculate Your Numbers?
Use our free calculators to estimate your monthly payment, affordability, and closing costs in Arizona.