Monthly Payment
—
PITIA total
Total Interest Paid
—
Over life of loan
Lender Fees
Credit Report$219
Origination Fee (2.75%)—
Underwriting Fee$1,395
Lender Subtotal—
Title & Settlement Fees
Settlement / Closing Fee$650
Title Search / Abstract$250
Title Exam$175
Closing Protection Letter$162
Courier / Wire / E-Recording$125
Recording Deed & Mortgage$350
Lender's Title Insurance (0.65%)—
Owner's Title Insurance—
Title Subtotal—
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)—
Prepaid Subtotal—
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.
Results update live as you edit the form.