Mortgage Programs & Calculators

Pennsylvania First Time Home Buyer Programs & Calculators

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.

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.

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

Mortgage and Closing Cost Calculators:

Mortgage Calculators for Home Buyers

Here's a collection of calculators to help you with your home purchase:

Pennsylvania Loan Limits:

Buyer's Resources

Learn more about home buying. Low on cash? Try a Seller Assist.

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

Is there sales tax when I buy a home in Pennsylvania? What's a deed transfer tax? How much is it? > Proceed to the Deed Transfer Tax page.
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's a VA funding fee? Proceed to the > VA Funding Fee Explanation page.

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

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.

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Pennsylvania Counties

Moving to Pennsylvania? Learn more about the PA counties courtesy of Wikipedia®.

The calculators and information presented are made available to you as a self-help tool for illustrative use only. Examples are hypothetical. We can not and do not guarantee the applicability or accuracy in regards to your individual circumstances. I encourage you to seek personalized advice from qualified professionals. Copyright © 2012,William A. MacDonald All rights reserved | E-mail | Credits | Disclaimer | Site Map | Privacy Policy