Buyer Closing Cost Calculator PA

You may receive an estimate to buy a house in Pennsylvania with as little as 5 options! The Pennsylvania mortgage and closing-cost calculator can calculate the down payment and closing fees for an FHA, VA, USDA, or conventional Loan. If appropriate, the home-buyer calculator will also estimate the deed transfer tax and seller-paid closing expenses.

|  Input Screen  |  View closing-costs  |  PRINT SCREEN  |
LOAN SET UP
1. Mortgage Program Loan Type
1a. Veteran Use    
3. How many units?
4. What is your credit score?
5. Enter the sales price
6. What are the annual real estate taxes?
7. Annual insurance % Or enter H.M. insurance if known
Annual H.M. Insurance
8. Enter the down payment percentage
9. Enter the interest rate ?Enter just the number (e.g., 6.5). The calculator will automatically add the % sign.
10. What is the term (how long)
11. Enter origination percentage (if applicable) ?Enter just the number (e.g., 1 for 1%). The calculator will automatically add the % sign.
12. Are there discount points? (if applicable) ?Enter just the number (e.g., 1 for 1%). The calculator will automatically add the % sign.
PENNSYLVANIA DEED TRANSFER TAX
2. Select County
2a. Select Municipality (if applicable)
13. Enter deed transfer tax % to buyer
Total Transfer Tax
SELLER ASSIST OPTION
15. Seller assist percentage, if applicable
16. Seller is paying a flat amount
17. Seller pays
DEBT TO INCOME OPTION
Gross Monthly Income
Gross Monthly Debt
Payment Ratio
Debt Ratio
Notes:
* Typically, the deed transfer tax is divided between the buyer and seller. In most cases, the buyer pays 1% of the sales price and the seller pays 1%.
** PMI | MIP: You can override the PMI factor. MI rates are based on standard guidelines.
*** This estimate assumes an owner-occupied residence or condominium.
ESTIMATED CLOSING COSTS
Administration Fee
Application Fee
Appraisal Fee
Closing Protection Letter
Courier Fee (Over night mailing)
Credit Report
Deed Transfer Tax
Discount Point (s) *
Document Download Fee
Flood Certification
Notary Fee
Origination Fee *
Pest Inspection
Processing Fee
Real Estate Agency Fee
Recording Fees
Septic Inspection
Settlement Fee
Survey
Tax Service
Title Endorsement
Title Insurance
Underwriting Fee
Well Inspection
Wire Charge (if applicable)
TOTAL CLOSING COSTS
ESTIMATED PREPAID COSTS
# Days Diem Interest
Per Diem Interest
Hm. Insurance (12 mo)
Property Tax Escrow (12 mo)
FHA/VA/USDA Funding Fee
TOTAL ESCROW & PREPAIDS
ESTIMATED CASH REQUIRED AT CLOSING
Down Payment
Additional Down Payment
Estimated Closing Costs
Estimated Prepaid Items
Subtotal
Less Appraisal
Less Credit Report
Less Earnest Money Deposit
Less Fees Paid by Seller
Less Financed Funding Fee
EST. CASH TO CLOSE
DETAILS OF MORTGAGE
SALES PRICE
Type of Loan
Term
Mortgage Amount
Interest Rate
Loan To Value
Front End Ratio
Back End Ratio
ESTIMATED MONTHLY PAYMENT
Principal & Interest
Homeowners Insurance
Real Estate Taxes
MIP | PMI * * * *
Condo | Hm Association Fee
PAY MONTHLY
Cash Required At Settlement Must Be In The Form Of A Cashiers Or Certified Check
ESTIMATED CLOSING COSTS
Administration Fee
Application Fee
Appraisal Fee
Closing Protection Letter
Courier Fee (Over night mailing)
Credit Report
Deed Transfer Tax
Discount Point (s) *
Document Download Fee
Flood Certification
Notary Fee
Origination Fee *
Pest Inspection
Processing Fee
Real Estate Agency Fee
Recording Fees
Septic Inspection
Settlement Fee
Survey
Tax Service
Title Endorsement
Title Insurance
Underwriting Fee
Well Inspection
Wire Charge (if applicable)
TOTAL CLOSING COSTS
 
ESTIMATED CASH REQUIRED AT CLOSING
Down Payment
Estimated Closing Costs
Estimated Prepaid Items
Less: Seller Assist
EST. CASH TO CLOSE
DETAILS OF MORTGAGE
Loan Amount
Loan To Value (LTV)
ESTIMATED MONTHLY PAYMENT
Principal & Interest  
Homeowners Insurance
Real Estate Taxes
PAY MONTHLY
Cash Required At Settlement Must Be In The Form Of A Cashiers Or Certified Check
ESTIMATED PREPAID COSTS
Per Diem Interest
Hm. Insurance (12 mo)
Real estate Tax Escrow (12 mo)
Funding Fee (FHA/VA/USDA)
TOTAL ESCROW & PREPAIDS
Notes:
* Typically, the deed transfer tax is divided between the buyer and seller. In most cases, the buyer pays 1% of the sales price and the seller pays 1%.
** PMI | MIP: You can override the PMI factor. MI rates are based on standard guidelines.
*** This estimate assumes an owner-occupied residence or condominium.
ACKNOWLEDGMENT OF RECEIPT
Borrower / Buyer Signature:   Date: _____________
Co-Borrower / Co-Buyer Signature:   Date: _____________
Loan Officer / Lender Representative:   Date: _____________
Real Estate Agent / Realtor:   Date: _____________
IMPORTANT DISCLAIMER:
This is an ESTIMATE ONLY and is provided for informational and educational purposes. Actual closing costs, loan terms, interest rates, and fees may vary significantly based on your specific financial situation, credit history, property location, lender requirements, and current market conditions.

This estimate does not constitute a loan approval, rate lock, or commitment to lend. You should consult with a qualified, licensed loan officer, mortgage broker, or financial advisor to obtain an accurate, personalized loan estimate and to discuss all costs, fees, and options available to you.

All figures are approximate and subject to change. Please verify all numbers with your lender and settlement agent before proceeding with any real estate transaction.
This estimate is not a loan approval. Please consult a qualified loan officer for exact costs.