Monthly Payment
β
PITIA total
Total Interest Paid
β
Over life of loan
Lender Fees
Credit Report$219
Origination Fee (2.75%)β
Underwriting Fee$1,395
Lender Subtotalβ
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%)β
Owner's Title Insuranceβ
Title Subtotalβ
Government / Transfer Fees
Min Transfer Tax (1.0%)β
Your Rate (2.0%)β
Max Transfer Tax (2.5%)β
Gov Subtotal (at your rate)β
Prepaid Items & Escrow
County Tax Escrow (2 mo)β
School Tax Escrow (2 mo)β
Homeowner's Insurance (1 yr)β
Per Diem Interest (β days)β
Prepaid Subtotalβ
Total Closing Costsβ
Down Paymentβ
π° Total Cash to Closeβ
β οΈ PA uses two tax cycles: County/Municipal (est. due June 30) and School (est. due October 31). Escrow amounts are estimates β 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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