Mortgage Pre-Approval Advisor

Pre-Approval Details

Max Approved Loan

Max DTI %

FICO Credit Score — Required for accurate PMI calculation

Interest Rate %

Loan Term

Loan Type

Rate Type

Gross Monthly Income

Existing Monthly Debts

Property Details

Search pulls taxes, HOA, price from Zillow, Redfin, county records & more

Property Address

Listing Price

Down Payment %

HOA Monthly

Closing Date

Transfer Tax Rate %

Annual Property Tax

Annual Insurance

Not a licensed lender or financial advisor. All figures are estimates. Verify with your loan officer.

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Monthly Payment

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PITIA total

P&I

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Loan Amount

—

Down Payment

—

Total Interest Paid

—

Over life of loan

Monthly Payment Breakdown

Total Monthly—

📋 Estimated Closing Costs PA Two-Cycle Tax System

County Tax Due

School Tax Due

Property Type

Lender Fees

Origination Fee (2.75% of loan)—

Underwriting Fee$1,395

Appraisal (Single-Family)—

↳ PA Range: $400–$750

Credit Report$219

MERS / Electronic Registration$25

Flood Certification$8

Tax Service Fee$85

Lender Subtotal (A+B)—

Title & Settlement Fees

Settlement / Closing Fee$295

Closing Protection Letter$125

Document Prep$100

Title Endorsement Fee$300

Title Search / Abstract$200

Recording Fees (Deed + Mortgage)$314

Lender's Title Insurance (0.75%)—

Owner's Title Policy (Optional)—

Title Subtotal (C+E)—

Government / Transfer Fees

Min Transfer Tax (1.0%)—

Your Rate (2.0%)—

Max Transfer Tax (2.5%)—

Gov Subtotal (at your rate)—

Prepaid Items & Escrow

County Tax Escrow (2 mo)—

School Tax Escrow (2 mo)—

Homeowner's Insurance (1 yr)—

Per Diem Interest (— days)—

RESPA Aggregate Adjustment—

Prepaid Subtotal (F+G)—

Total Closing Costs—

Down Payment—

💰 Total Cash to Close—

⚠️ PA uses two tax cycles: County/Municipal (est. due June 30) and School (est. due October 31). Escrow amounts are estimates — actual amounts depend on your closing date and local tax schedules. Transfer tax default is 2% (1% state + 1% local); varies by municipality.

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