How Do I Pay My Closing Costs? What Buyers in Scottsdale & Phoenix Need to Know

When you’re this close to owning your new home, the last thing you want is a surprise at the finish line. One detail that often catches first-time buyers off guard is how to pay closing costs. Spoiler: it’s not as simple as writing a personal check.

Let’s break down your options and give you a clear roadmap so your closing day in Maricopa County (or anywhere in AZ, CA, FL, or TX where I’m licensed) goes smoothly.

Why a Personal Check Won’t Work

Title and escrow companies can’t accept personal checks because they aren’t guaranteed funds. The seller (and everyone else getting paid on your transaction) needs assurance the money is actually available. That’s why you’ll need a guaranteed form of payment, such as:

• Cashier’s Check – Issued by your bank and backed by their funds.

• Certified Check – Verified by your bank, stamped, and set aside until used.

• Wire Transfer – Funds sent directly from your bank to escrow (common for higher amounts or remote closings).

Which Option Should You Choose?

Most buyers here in Phoenix and Scottsdale use either a cashier’s check or a wire transfer. Both are safe and widely accepted, but wiring funds comes with one big warning: always confirm wiring instructions directly with your escrow officer by phone to avoid wire fraud.

If you’re closing remotely or need to send funds ahead of time, your escrow company will walk you through the process.

Pre-Closing Checklist

Here’s how to avoid last-minute stress:

• Confirm the exact dollar amount due at closing.

• Ask your escrow officer which payment types they accept.

• Request your cashier’s or certified check at least a day or two early.

• Double-check all details (spelling, dollar amount, wire info).

• Bring a valid photo ID to your signing appointment.

FAQ’s

1. Can I pay closing costs with a credit card?
No. Credit cards aren’t accepted because funds aren’t guaranteed and could cause delays.

2. How much are closing costs in Maricopa County?
Typically 2–3% of the purchase price, but I’ll walk you through a personalized estimate before you’re under contract.

3. What if I don’t have the funds ready on closing day?
Closing can’t happen until escrow receives the exact funds. That’s why we plan ahead together so you’re never caught off guard.

The Takeaway

Whether you choose a cashier’s check, certified check, or wire transfer, the key is to prepare early and verify every detail. Closing costs are simply part of the roadmap to homeownership—and with the right strategy, they won’t slow you down.

✨ Ready to start your homeownership journey in Scottsdale, Phoenix, or anywhere in Arizona?
👉 Download my Free Homebuyer Guide
👉 Or book a no-pressure call with me here: Schedule a Call

At No Hassle Home Loans, my goal is simple: make the process clear, stress-free, and strategic—so you can focus on the joy of getting keys to your new home.