Are you about to sign a contract for a new pool? Right now you're not thinking about tile color or deck material. Maybe you're thinking about the money. How much do you need today? When does the rest come due?
Most homeowners don't know the payment schedule for a new pool. The first step is to understand how much will be due when signing the contract.
Arizona caps what any licensed pool builder can ask for as an initial deposit. That number is 15% of your contract price. If any company is asking for more than that, BUYER BEWARE! Shasta follows all pool construction specific Arizona laws and procedures. Once you know it, you can plan around the payment schedule.
This article covers new pool construction's payment schedule. We share how much for the initial deposit. Also, we highlight the differences between the payment schedule of a concrete and a fiberglass pool.
Table of Contents
- What is the payment schedule for an Arizona new pool construction project?
- How much down payment is required for a new pool in Arizona?
- Know your numbers before you sign
What is the payment schedule for an Arizona new pool construction project?
Five payments cover a Shasta pool build from signing to completion. We follow the schedule 15% down and then 25/25/25/10. Each payment is tied to construction milestones. Concrete and fiberglass new pools follow the same five-payment structure. The two pool types just have different construction phases.
Payment Schedule for Concrete/Shotcrete
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15% at signing
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25% after excavation
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25% after steel, plumbing, and shotcrete
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25% after primary deck placement
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10% before interior finish
Fiberglass Pools Payment Schedule
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15% at signing
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25% after excavation
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25% after shell set
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25% after deck and waterline tile
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10% before final completion
Effective Schedule Secures Permits, Design, Engineering, and Equipment
"We're doing exactly what the industry is doing. I've already have it confirmed in writing. Not everything is assigned immediately — like Pebble Tec usually gets assigned later. We want to make sure it's secure. make sure permit costs are covered. Drafting, layout and then also getting the necessary equipment purchased up front and ahead of time in warehouse" — Skip Ast III, Director of Sales, Shasta Pools
How much down payment is required for a new pool in Arizona?
15% of your contract price, that is the legal limit. Shasta's current schedule follows current Arizona law.
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Shasta's 2025 average build was $73,458.81 — a 15% deposit costs around $11,000
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A $40,000 pool costs $6,000 down
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A $100,000+ project deposit costs past $15,000
- So far this year, 2026, the average build is $65,791.47
Does Arizona have a law about pool payment schedules?
Arizona Revised Statute § 32-1158.01 sets the current initial deposit for new pool construction. No licensed pool contractor can ask for more than 15% down at signing. Each progress payment is tied to specific phases of construction. (Read Arizona Law A.R.S. § 32-1158.01)
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Down payment: capped at 15% of contract price
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Each progress payment: capped at 25% per phase
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Final payment: due before interior finish work - this is because a pool company cannot "repo" a swimming pool after it's completed
How much did the law used to require, before 2017?
Before SB 1116 passed, the rule was a flat $1,000 down payment plus 30% per stage. That changed effective August 9, 2017, to the percentage-based structure Arizona still uses today.
"We're doing exactly what the industry is doing. I've already have it confirmed in writing. Not everything is assigned immediately — like Pebble Tec usually gets assigned later. We want to make sure it's secure. make sure permit costs are covered. Drafting, layout and then also getting the necessary equipment purchased up front and ahead of time in warehouse" — Skip Ast III, Director of Sales, Shasta Pools
Know your numbers before you sign
So yes, 15% down, then 25/25/25/10 as construction moves through each phase. It's the same structure whether you're building concrete or fiberglass.
Knowing that number ahead of time means nothing on your contract should come as a surprise. Every payment ties to a phase of work that's happening on your property.
If you're getting close to buying a new pool, Shasta's design team can help design the pool that meets your backyard dreams. We share everything about your project and budget before you commit to anything.
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