_Contained on this web site are a variety of resources for Pennsylvania home buyers to help you choose the "best" mortgage program and a variety of closing cost and mortgage calculators.  Easily estimate the down payment, closing costs (including the seller assist, if applicable) , escrow and prepaid costs with the Closing Cost Calculator. This calculator is especially useful for the real estate agent who needs a buyer's cost sheet. Would you like to know what the "ideal" mortgage payment should be? If so, try the Debt to Income Calculator. Do interest rates matter? Less than you think. Try the Payment Calculator. This calculator will estimate and compare the traditional principal & interest payment, biweekly, and interest only payment for a variety of loan terms.

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_First Time Home Buyer Programs

_Did you know that the Pennsylvania Housing Finance Agency (PHFA) offers "special financing" for home buyers and "non" first time home buyers in Pennsylvania? And . . . many PA counties and cities also offer their own loan programs for home buyers. Let's start with Pennsylvania. The state offers two first time home buyer programs. The Keystone Home Loan and the Keystone Home Loan Plus program. Both programs are income and sales price driven. You can learn more about these programs on the PHFA page.

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Pennsylvania First Time Home Buyer Program

• Learn About PHFA
• How Does it work?
• Counseling Agencies

_Pennsylvania County & City Programs:

_Many PA counties provide special financing and closing cost assistance grants for eligible home buyers. Proceed to the PA County Mortgage page

County Programs

• Allegheny County
• City of Pittsburgh
• Chester County
  
• Dauphin County
• Montgomery County

Pennsylvania Loan Limits:

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• PA FHA County Loan Limits
• Fannie Mae & Freddie Mac Loan Limits
• PA Median Sales Price
• 2013 HUD Median Income Limits for Pennsylvania
  
• 2012 USDA Income Limits for Pennsylvania Counties

Buyer's Resources

I'm self employed, can I get a stated income loan? Maybe, proceed to the Stated Income Mortgage Loans for the Self Employed page.

What is a HUD home? Is it a good deal?
> Proceed to the HUD home page

• Seller Assist
• Title Insurance
• Deed Transfer Tax
• Useful Downloads
• What is PMI and MIP?

Mortgage Loan Programs

Need Money? What's an FHA mortgage? How much can I borrow? What's the down payment with an FHA loan?
Proceed to the FHA loan page.

What's a USDA loan? Am I eligible? Is it true that no down payment is required for a USDA loan?
Proceed to the USDA page

What's a conventional loan? Who are Freddie Mac and Fannie Mae? Proceed to the Fannie Mae & Freddie Mac page.

What is title insurance and how much does it cost? Learn more about Pennsylvania title insurance. Proceed to the Title Insurance page.

Mortgage Rate Chart

Easily compare lenders and loan rates with the Mortgage Rate Chart