{"id":35349,"date":"2023-04-20T16:15:07","date_gmt":"2023-04-20T23:15:07","guid":{"rendered":"https:\/\/www.homelight.com\/blog\/?p=35349"},"modified":"2025-11-26T09:10:26","modified_gmt":"2025-11-26T17:10:26","slug":"how-much-are-closing-costs-in-pa","status":"publish","type":"post","link":"https:\/\/www.homelight.com\/blog\/how-much-are-closing-costs-in-pa\/","title":{"rendered":"How Much Are Closing Costs in Pennsylvania?"},"content":{"rendered":"

Editor’s note: This post will help answer the question: How much are closing costs in Pennsylvania (PA)? The example costs provided are based on median home prices and typical fees. Your closing costs may differ depending on your circumstances and the terms of your home purchase.<\/em><\/p>\n

Home inspections, earnest money, mover\u2019s fees\u2026the costs of buying a home in Pennsylvania can add up. While some fees are only a few hundred dollars, the final closing costs can run into the thousands. If you fail to factor them into your homebuying budget, you could walk out of closing<\/a> with the keys to your new house and an emptier bank account than you\u2019d planned on!<\/p>\n

Matt Durbin<\/a>, a top agent in Western Pennsylvania with 14 years of experience helping homebuyers, says that \u201ca lot of times people miscalculate what they\u2019re going to need in total cash at closing to get a purchase done in our area, especially if they\u2019re moving from another state.\u201d<\/p>\n

Don\u2019t get caught unaware; here\u2019s what you need to know about closing costs in Pennsylvania.<\/p>\n

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Step one: Talk to an expert!<\/h3>\n

Selling your house soon? Connect with a top agent near you to get an expert opinion on how much your house will sell for, what to fix before listing, and the latest local housing market trends.<\/p>\n \n

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What are closing costs?<\/h2>\n

Closing costs<\/a> are fees related to buying a house. They are due on the official date of purchase (also known as closing). Some of these costs, such as property taxes and insurance, are related to homeownership in general. Others, such as origination fees and interest, are directly related to obtaining a mortgage.<\/p>\n

Richie Helali<\/a>, a licensed, senior mortgage advisor at HomeLight Home Loans<\/a>, says that closing costs are most often paid through wire transfer or certified check, along with the down payment<\/a> for the mortgage. A down payment is separate from your closing costs but is typically due at the same time.<\/p>\n

If the total amount of your closing costs plus your down payment is financially overwhelming, sometimes lenders will allow you to roll the closing costs into the total amount of your loan, thus lowering the amount of cash you have to bring to close.<\/p>\n

We\u2019ll provide some example closing costs in a minute to illustrate how this all plays out.<\/p>\n

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Who pays for closing costs in Pennsylvania?<\/h2>\n

Finding out you\u2019ll have to come up with funds over and above your down payment<\/a> can be an unwelcome surprise, even if you did qualify for down payment assistance<\/a>. The good news is that both buyers and sellers are responsible for certain fees and closing costs. Here\u2019s who pays which closing costs<\/a>.<\/p>\n