State Buyer Guide
Down payment assistance, Arizona housing programs, closing cost estimates, and what to know before buying — including from FSBO sellers.
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The Arizona Department of Housing (ADOH) is your primary source for below-market mortgage rates and down payment assistance in Arizona. Programs are available through approved lenders — not directly through the HFA.
DPA with a 30-year fixed FHA, VA, USDA, or conventional mortgage.
Maricopa County DPA for buyers in the greater Phoenix area.
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Compare Mortgage Rates →On a $425,000 home: approximately $7,650
Arizona has no real estate transfer tax — one of the most buyer-friendly states on closing costs.
Arizona is a title-company state. An attorney is not required at closing, but you can hire one to review your purchase contract independently.
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Find an Inspector →While Arizona doesn't require an attorney at closing, FSBO buyers should strongly consider having one review the purchase agreement and title work.
Nolo has been the go-to legal resource for DIY buyers since 1971. Their real estate guides explain purchase agreements, contingencies, and closing in language anyone can understand.
Browse Legal Guides →Get a real estate attorney to review your purchase agreement or help you draft an offer letter — often for a fraction of traditional legal fees.
Get Legal Help →Download state-specific purchase agreements, addenda, and disclosure forms — written by attorneys, ready to use in your state.
Browse Real Estate Forms →Arizona first-time buyers can access programs through the Arizona Department of Housing (ADOH) (https://housing.az.gov/), including the HOME Plus Program (3–5% of loan amount as a 3-year forgivable second mortgage) and the Home in Five Advantage (Up to 6% of loan amount (extra 1% for military)). Federal programs like FHA loans (3.5% down) and USDA loans (0% down in eligible areas) are also available.
Closing costs in Arizona typically run 1.8% of the purchase price. Transfer tax: None. Arizona has no real estate transfer tax — one of the most buyer-friendly states on closing costs.
Arizona is a title-company state. An attorney is not required at closing, but you can hire one to review your purchase contract independently.
The median home price in Arizona is approximately $425,000. Property taxes average 0.62% of assessed value annually.
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