Pennsylvania closing-cost & Mortgage
Calculator
LOAN SET UP
1. Mortgage Program
fixed-rate
Adjustable Rate
Conventional
FHA
VA - Active Duty
VA - Reservist
VA - Disabled
VA - Purple Heart
USDA
1a. Veteran Use
1st Time Use
Re-Use
2. What county is the home located
in?
PA Counties
Adams
Allegheny
Armstrong
Beaver
Bedford
Berks
Blair
Bradford
Bucks
Butler
Cambria
Cameron
Carbon
Centre
Chester
Clarion
Clearfield
Clinton
Columbia
Crawford
Cumberland
Dauphin
Delaware
Elk
Erie
Fayette
Forest
Franklin
Fulton
Greene
Huntingdon
Indiana
Jefferson
Juniata
Lackawanna
Lancaster
Lawrence
Lebanon
Lehigh
Luzerne
Lycoming
McKean
Mercer
Mifflin
Monroe
Montgomery
Montour
Northampton
Northumberland
Perry
Philadelphia
Pike
Potter
Schuylkill
Snyder
Somerset
Sullivan
Susquehanna
Tioga
Union
Venango
Warren
Washington
Wayne
Westmoreland
Wyoming
York
3. How many units?
1 Unit(s)
2 Unit(s)
3 Unit(s)
4-unit(s)
4. What is your credit score?
620 - 639
640 - 659
660 - 679
680 - 699
700 - 719
720 - 739
740 - 758
760 - 850
5. Enter the sales price -
6. What are the annual real estate
taxes?
7. Annual homeowner's insurance -
0.10%
0.15%
0.20%
0.25%
0.30%
0.35%
0.40%
0.45%
0.50%
0.55%
0.60%
0.65%
0.70%
0.75%
0.80%
0.85%
0.90%
0.95%
1.00%
1.05%
1.10%
1.15%
1.20%
1.25%
1.30%
1.35%
1.40%
1.45%
1.50%
1.55%
1.60%
1.65%
1.70%
1.75%
1.80%
8. Enter the down payment percentage
Minimum
5 %
10 %
15 %
20 %
25 %
30 %
40 %
50 %
9. Enter the interest-rate -
0.000 %
2.000 %
2.125 %
2.250 %
2.375 %
2.500 %
2.625 %
2.750 %
2.875 %
3.000 %
3.125 %
3.250 %
3.375 %
3.500 %
3.625 %
3.750 %
3.875 %
4.000 %
4.125 %
4.250 %
4.375 %
4.500 %
4.625 %
4.750 %
4.875 %
5.000 %
5.125 %
5.250 %
5.375 %
5.500 %
5.625 %
5.750 %
5.875 %
6.000 %
6.125 %
6.250 %
6.375 %
6.500 %
6.625 %
6.750 %
6.875 %
7.000 %
7.125 %
7.250 %
7.375 %
7.500 %
7.625 %
7.750 %
7.875 %
8.000 %
8.125 %
8.250 %
8.375 %
8.500 %
8.625 %
8.750 %
8.875 %
9.000 %
9.125 %
9.250 %
9.375 %
9.500 %
9.625 %
9.750 %
9.875 %
10.000 %
10.125 %
10.250 %
10.375 %
10.500 %
10.625 %
10.750 %
10.875 %
11.000 %
11.125 %
11.250 %
11.375 %
11.500 %
11.625 %
11.750 %
11.875 %
12.000 %
10. What is the term (how long)
10-years
15 Years
20 Years
25 Years
30-years
40 Years
11. Enter the origination percentage
(if applicable)
0.000 %
0.125 %
0.250 %
0.375 %
0.500 %
0.625 %
0.750 %
0.875 %
1.000 %
1.125 %
1.250 %
1.375 %
1.500 %
1.625 %
1.750 %
1.875 %
2.000 %
2.125 %
2.250 %
2.375 %
2.500 %
2.625 %
2.750 %
2.875 %
3.000 %
3.125 %
3.250 %
3.375 %
3.500 %
3.625 %
3.750 %
3.875 %
4.000 %
4.125 %
4.250 %
4.375 %
4.500 %
4.625 %
4.750 %
4.875 %
5.000 %
5.125 %
5.250 %
5.375 %
5.500 %
5.625 %
5.750 %
5.875 %
6.000 %
12. Are there discount points? (if
applicable)
0.000 Points
0.125 Points
0.250 Points
0.375 Points
0.500 Points
0.625 Points
0.750 Points
0.875 Points
1.000 Points
1.125 Points
1.250 Points
1.375 Points
1.500 Points
1.625 Points
1.750 Points
1.875 Points
2.000 Points
2.125 Points
2.250 Points
2.375 Points
2.500 Points
2.625 Points
2.750 Points
2.875 Points
3.000 Points
3.125 Points
3.250 Points
3.375 Points
3.500 Points
3.625 Points
3.750 Points
3.875 Points
4.000 Points
4.125 Points
4.250 Points
4.375 Points
4.500 Points
4.625 Points
4.750 Points
4.875 Points
5.000 Points
5.125 Points
5.250 Points
5.375 Points
5.500 Points
5.625 Points
5.750 Points
5.875 Points
6.000 Points
13. Enter deed transfer tax % to buyer *
Split Cost - 50/50
Buyer Pays 100%
Seller Pays 100%
PENNSYLVANIA DEED TRANSFER TAX
(see below)
NO Deed Transfer Tax Exceptions - 1.00%
Adams County
Allegheny County
-- Bellevue Borough
-- Bethel Park Municipality
-- Greentree Borough
-- Hampton Township
-- McCandles Township
-- Mckeesport City
-- Monroeville Municipality
-- Mt. Lebanon Municipality
-- Mt. Oliver Borough
-- O’hara Township
-- Penn Hills Municipality
-- Pine Township
-- Pittsburgh, City Of
-- Upper St. Clair Township
-- West Deer Township
-- Whitehall Borough
Armstrong County
Beaver County
Bedford County
Berks County
-- City Of Reading
Blair County
Bradford County
Bucks County
Butler County
Cambria County
Cameron County
Carbon County
Centre County
-- Ferguson Township
-- State College Borough
-- Taylor Township
Chester County
-- City Of Coatesville
-- Tredyffrin Township
Clarion County
Clearfield County
Clinton County
-- Colebrook Township
-- East Kating Township
Columbia County
Crawford County -
-- Borough Of Edinboro
Cumberland County
Dauphin County
Delaware County
-- Randor Township
-- Upper Providence
Township
Elk County
Erie County
Fayette County
Forest County
Franklin County
Fulton County
Greene County
Huntingdon County
Indiana County
Jefferson County
Juniata County
Lackawanna County
-- City Of Scranton
Lancaster County
Lawrence County
Lebanon County
Lehigh County
Luzerne County
-- City Of Wilkes Barre
-- Kingston Borough
-- Hazleton City
Lycoming County
Mckean County
Mercer County
-- City of Farrell
-- City of Hermitage
-- City of Sharon
-- City of Sheakleyville
Boro
Mifflin County
Monroe County
Montgomery County
Montour County
North Hampton County
Northumberland County
Perry County
Philadelphia County
-- City Of Philadelphia
Pike County
Potter County
Schuylkill County
Snyder County
Somerset County
-- Wellersburg Borough
Sullivan County
Susquehanna County
Tioga County
Union County
Venango County
Warren County
Washington County
-- Peters Township
Wayne County
Westmoreland County
Wyoming County
York County
14. Pennsylvania Deed Transfer Tax
1.00%
Total Transfer Tax
SELLER ASSIST OPTION:
15. Seller assist percentage, if applicable
0 %
Maximum
1 %
2 %
3 %
4 %
5 %
6 %
7 %
8 %
9 %
16. Seller is paying a flat amount.
17. Seller pays
DEBT TO INCOME OPTION
Gross Monthly Income
Gross Monthly Debt
Payment Ratio
Debt Ratio
* 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%. There
are a few exceptions. To see if the municipality is listed, use
the drop down box.
If so, choose a municipality. Mortgage stamps and recordation
fees are not required in Pennsylvania.
This estimate assumes an owner occupied
residence or condominium. FIXED and ARM refers to
loans underwritten to Fannie Mae guidelines (i.e. 5%, 10%, 15%,
etc.). These loans are commonly called "conventional" loans. You
can override the mortgage insurance premium in the PMI | MIP box
on the closing-cost page. No credit score minimums are
considered for this closing-cost illustration. Credit score
requirements vary widely from lender to lender and loan program.
This calculator is 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 concerning real
estate financing and calculations. Copyright © 2022,William A.
MacDonald All rights reserved.