What HOA fees are due at closing in Arizona?

Which association charges show up at an Arizona closing?

Planned communities: A.R.S. §33-1806, subsections D and E. Condominiums: A.R.S. §33-1260, subsections D and E (same limits). Transfer fees: A.R.S. §33-442, subsection C, paragraph 3. Retrieved October 20, 2026.

A charge for disclosure or transfer services that the statute doesn't authorize can expose the association to a civil penalty of up to $1,200.

What does Arizona law say about transfer fees?

A.R.S. §33-442 makes most private transfer fees unenforceable. A recorded provision that binds future owners and makes them pay a developer or another third party when the home sells isn't binding, and a lien to collect it is invalid. The law lists exceptions, including:

• a fee paid to the homeowners association itself, used only for the purpose stated in the document, that "touches and concerns the land";
• fees charged by a government, such as recording fees;
• a real estate broker's commission and a lender's loan assumption fee.

That's why the transfer fees and capital contributions you see in Arizona are payable to the association, not to the original builder. Amounts vary widely: for example, McCormick Ranch's master association lists a $1,000 buyer-paid transfer fee (see McCormick Ranch), and Verrado adds a community enhancement fee figured from the sale price (see Verrado).

Where do I find the exact fees for a home?

In the resale disclosure. In a community with 50 or more homes, the association sends it within 10 days after the seller gives notice of the accepted offer; in a smaller community, the seller delivers it within 10 days after acceptance. The dated statement in it must show:

• the regular assessment and payment schedule, and any special assessment that's approved or pending;
• any unpaid assessment lien or judgment on the home;
• the amount and purpose of any transfer fee or similar fee in the declaration;
• recent financial statements, the budget, the latest reserve study (or a summary), and any pending lawsuits;
• any open violation cited against the home.

If the home sits in more than one association, such as a master association and a sub-association, the disclosure must say so, and each association can charge its own disclosure fee. At closing you also sign a statement acknowledging that you'll be bound by the recorded covenants and must pay the assessments.

How do HOA costs fit my budget?

One-time fees affect your cash to close. Monthly or quarterly dues affect your payment for as long as you own the home, and the Closing Disclosure notes that HOA dues often aren't paid through escrow, so you may pay the association directly. Count both when you compare homes.

A free account shows every home for sale that fits the monthly payment you're comfortable with, each with its real property taxes, HOA dues, estimated homeowners insurance, and mortgage insurance when it applies, plus its own closing cost estimate and APR disclosure.

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Related: HOA and special district tax lookup · property tax due dates and escrow · what you need to buy a house in Arizona · closing timeline · more questions.

General information, not legal advice. The association's recorded documents, its resale disclosure, and your purchase contract control.

More Arizona home buyer questions · Calculators · Homes by monthly budget · All Arizona cities

Sources

• Arizona Revised Statutes §33-1806 (planned community resale disclosures and fees) (retrieved October 20, 2026)
• Arizona Revised Statutes §33-1260 (condominium resale disclosures and fees) (retrieved October 20, 2026)
• Arizona Revised Statutes §33-442 (prohibition on transfer fees; exceptions) (retrieved October 20, 2026)
• Consumer Financial Protection Bureau, Closing Disclosure explainer (adjustments, prepaids and initial escrow payment; retrieved October 20, 2026)
• Arizona Department of Real Estate and Arizona REALTORS®, Buyer Advisory (updated January 2025)
• McCormick Ranch Property Owners' Association, For Title Companies and Real Estate Professionals (transfer and disclosure fees) (retrieved October 15, 2026)

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