Know your closing costs before you sign.
No surprises at the table. Use our closing-cost overview to understand every line — settlement fees, title insurance, recording, and taxes — in plain English.
- Itemized Estimates
- 3-Day Disclosure Rule
- No Hidden Fees
Estimate With Confidence
A clear number, up front.
Where Your Closing Costs Go
Settlement / Escrow Fee
Our fee for acting as the neutral third party that holds funds and coordinates the closing.
Owner's Title Insurance
A one-time premium that protects your ownership against pre-existing title problems for as long as you own the home.
Lender's Title Insurance
Protects the lender's interest in your loan — typically required when you finance.
Recording Fees
County charges to officially record the deed and mortgage in the public record.
State & Transfer Taxes
Any applicable state or local taxes tied to the transfer of the property.
Prepaids & Escrows
Prepaid interest, property taxes, and homeowners insurance your lender may collect at closing.
Closing-Cost Questions
Who pays for the owner's title policy in Arizona?
It varies by contract and local custom, and is often negotiable between buyer and seller. We will show you exactly who is paying for what on your estimate and your Closing Disclosure.When will I know my exact closing costs?
You get an itemized estimate up front and your final numbers on the Closing Disclosure at least three business days before signing, as required by federal law.Can I choose my own title company to save on fees?
Yes. In Arizona the buyer generally chooses the title and escrow company. Ask us for a quote and compare — we are transparent about every line.
Want an estimate for a specific deal?
Send us the details and a Keystone closer will prepare an itemized estimate for you.