Selling a Home in Yuma, Arizona
Yuma sits in Yuma County, where home sellers benefit from Arizona's no state transfer tax structure. The biggest seller-side costs in Yuma are agent commissions, the owner's title insurance policy, escrow or settlement fees, recording fees, and — if your property is in an HOA — a transfer fee and resale certificate fee.
Yuma Title Insurance & Closing Costs
Arizona uses title companies for closing. The seller customarily pays the owner's title policy and splits escrow fees with the buyer. Recording fees in Yuma County are a small fixed cost at closing.
How to Estimate Your Yuma Net Proceeds
- Sale Price: Start with the agreed contract price for your Yuma property.
- Mortgage Payoff: Subtract your remaining loan balance and accrued interest.
- Closing Costs: Deduct commissions, owner's title insurance, escrow/settlement, recording, and any HOA transfer fee.
- No State Transfer Tax: Arizona charges no state-level transfer tax — skip that line entirely.
Yuma Net Proceeds = Sale Price − Mortgage Payoff − Commissions − Closing Costs