- 5 - REAL ESTATE LAWS & CUSTOMS BY STATE ©2026 Fidelity National Title Insurance Company (08/26) ARIZONA Title Insurance Rates Filed Form of Conveyance Warranty Deed; Special Warranty Deed; Quitclaim Deed State Encumbrance Forms Deed of Trust; Mortgage Customary Closing Entity Title or escrow company; others Commitment Issued? Duration? Yes. 6 months. When is Invoice Issued? At closing Deed Transfer Tax? No Mortgage Tax? No Leasehold Tax? No CUSTOMARY FEE SPLITS Owner’s Policy Premium Seller pays; Buyer pays difference if Extended Coverage Policy required Loan Policy Premium Buyer pays Title Search & Examination Included in premium Survey Charges Buyer pays unless contract specifies otherwise Deed Transfer Tax Not applicable Mortgage Tax Not applicable Closing Fees Divided equally between Buyer and Seller Recording Fees Generally divided equally between Buyer and Seller unless contract specifies otherwise
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