Arizona contract deadlines and disclosures
A quick checklist for Arizona agents, from signed contract to closing. Use it as a starting point: your signed contract always wins.
The contract
Most residential deals use the Residential Resale Real Estate Purchase Contract (AAR), published by Arizona Association of REALTORS. Closings are usually handled by an escrow officer.
Typical deadlines
Days are common starting points, not rules. Many are negotiated in every contract.
| Deadline | Typical timing | Note |
|---|---|---|
| Contract fully signed (Effective Date) | When the last party signs (day 0) | |
| SPDS (Seller Property Disclosure Statement) delivered | 3 days after signing | |
| Insurance claims history (CLUE) delivered | 5 days after signing | |
| Earnest money to escrow (with the offer) | At signing | |
| Loan application | 5 days after signing | Only if your contract includes it |
| Loan Status Update (LSU) delivered | 10 days after signing | Only if your contract includes it |
| Inspection Period ends (BINSR due) | 10 days after signing | Set in each contract; typical shown |
| Seller's response to the BINSR | 5 days after Inspection Period ends | |
| Appraisal contingency | 21 days after signing | Set in each contract; typical shown. Only if your contract includes it |
| Financing (loan approval) contingency | 30 days after signing | Set in each contract; typical shown |
| Title commitment delivered | 14 days after signing | Only if your contract includes it |
| Title objections | 5 days after Title commitment delivered | Only if your contract includes it |
| HOA documents delivered | 10 days after signing | Only if your contract includes it |
| Close of Escrow (COE) | 35 days after signing | Set in each contract; typical shown |
| Walkthrough | 5 days before Close of Escrow | |
| Possession | Same day as Close of Escrow |
Disclosures and required forms
Required: SPDS, within 3 days after acceptance (confirm with your broker)
Customary: ADRE Buyer Advisory (Jan 2025)
If it applies: Affidavit of Disclosure for land in unincorporated areas (confirm with your broker)
If it applies: Septic transfer inspection within 6 months before transfer; buyer files the Notice of Transfer within 15 days after (confirm with your broker)
Customary: CLUE insurance claims report (confirm with your broker)
If it applies: Pool barrier notice, HOA disclosure, lead paint (confirm with your broker)
Money at closing
Transfer tax: No transfer tax; a flat affidavit-of-value fee at recording. (confirm with your broker)
Good to know
Death, suicide or a felony on the property are not material facts in Arizona (A.R.S. 32-2156).
Let Reta track it for you
Upload your signed contract and Reta builds this timeline with your real dates, reminds you before each deadline, and drafts the emails to your client, lender and title for you to approve. Your first deal is free.
This guide is general information for licensed agents, not legal advice. Rules and forms change; confirm with your broker or a local attorney. Last checked 2026-11-10.