Closing Cost Calculator for Pennsylvania

Closing Costs in Pennsylvania

Buyers in Pennsylvania typically pay around $4,100 in total closing costs. Pennsylvania charges a 1% realty transfer tax at the state level, plus local transfer taxes that in Philadelphia and Pittsburgh add another 3-4%. Combined transfer taxes can reach 4% or more, significantly elevating closing costs.

What's Included in Pennsylvania Closing Costs?

• Transfer & recording taxes: Pennsylvania charges a 1% realty transfer tax at the state level, plus local transfer taxes that in Philadelphia and Pittsburgh add another 3-4%. Combined transfer taxes can reach 4% or more, significantly elevating closing costs.
• Lender fees: Origination, underwriting, and processing fees — typically 0.5–1% of the loan amount regardless of state.
• Title insurance: Owner's and lender's policies, required in most Pennsylvania transactions.
• Prepaid items: First year homeowner's insurance premium, prepaid property tax escrow, and prepaid interest.
• Escrow/attorney fees: Pennsylvania typically uses attorneys to close real estate transactions.

Home Values & Loan Context

With a median home value of $240,000 in Pennsylvania, a 10% down payment buyer would borrow around $216,000. The conforming loan limit is $726,200 — All Pennsylvania counties are at the standard conforming limit.

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