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Closing Cost Estimator
Closing costs in Pennsylvania typically run 2–3% of the purchase price for the buyer, with transfer tax and title driving most of the variation between counties.
A large share of the total isn't a fee at all — it's prepaid taxes and insurance funding your escrow account, money you'd owe anyway.
Your numbers
Pennsylvania is commonly 2% split evenly between buyer and seller.
Your results
Estimated closing costs
$12,445
3.8% of the purchase price
- Fees & taxes
- $7,970
- Prepaid escrows
- $4,475
- Transfer tax (your share)
- $3,250
- Title & settlement
- $2,275
- Lender fees
- $1,595
- Appraisal
- $650
- Down payment
- $16,250
- Total cash needed
- $28,695
Money toward your own taxes and insurance
What happens if you change this
Expect roughly $12,445 in closing costs — about 3.8% of the price. Only $7,970 of that is actual fees and taxes; $4,475 is prepaid escrow, meaning your own future tax and insurance bills funded early. Transfer tax alone is $3,250, which is why a seller credit is often negotiated to offset it — see the seller credit calculator to model that.
Ready for real numbers?
Estimates get you oriented. A pre-approval gets you an offer sellers take seriously.
Related calculators
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- Mortgage Payment CalculatorSee your full monthly payment — principal, interest, taxes, insurance and mortgage insurance — not just principal and interest.
- APR vs Interest Rate CalculatorSee why the lowest advertised rate isn't always the cheapest loan once fees are included.
Questions people ask
- Who pays transfer tax in Pennsylvania?
- The 2% state and local transfer tax is customarily split evenly between buyer and seller, though it's negotiable and local custom varies.
- Can closing costs be rolled into the loan?
- On a purchase, generally not — but a seller credit or lender credit can cover them, which achieves the same thing for your cash position.
Estimates for education only — not a loan approval, rate quote, or commitment to lend. Actual figures depend on credit, property, program guidelines, and market conditions at the time of lock. Corie Adams · NMLS #1875205 · Network Funding, LP · NMLS ID #2279 · Equal Housing Opportunity.