Can the seller pay my closing costs in Arizona?

First find out how much of the credit you can actually use

I don't want a buyer negotiating a seller credit simply because they saw a percentage online. First, let's determine how much of that credit you can actually use within your loan program's guidelines. Then you and your real estate agent can negotiate with real numbers.

Why this matters more in 2026

The Phoenix-area market has created negotiating opportunities for some buyers. Realtor.com's August 2026 housing data showed that 27.6% of listings in the Phoenix-Mesa-Chandler metro had a price reduction, and active inventory was higher than a year earlier. That doesn't mean every seller will offer a concession — but buyers should understand their options when they find a seller who is willing to negotiate.

This can be especially valuable for a buyer who has enough income to support the mortgage but wants to preserve more of their savings. That's why financing strategy should ideally begin before you make an offer, so your mortgage and real estate professionals can discuss how financing and the offer structure may work together.