PA Title & Closing Cost Calculator — Penn Charter Abstract

Pennsylvania · Uses TIRBOP-filed title insurance rates

Real Estate Investors, Try the Penn Bright Investor Services Calculator

Buying or refinancing? Choose Buyer Cost Calculator. Selling? Choose Seller Net Sheet.

Tap or click a circled “i” for helpful explanations and important notes.

First, select your transaction type: Purchase + Loan if you’re buying with a mortgage, Cash Purchase if you’re buying without a mortgage, or Refinance if you’re replacing an existing mortgage. Then enter your amounts below.

Transaction type

Purchase price

Loan amount

Owner's policy coverage

Smart choice — for about $490.00 more, one time, your home is protected for as long as you own it.

Endorsements

Not sure? Leave these unchecked. Your lender will tell you which ones they require. These are the most common in Pennsylvania — for example, if your loan is adjustable-rate or there could be property-line, rule or environmental issues.

Read our plain-English guide to the 6 most common PA endorsements

PA 100 Covenants, Conditions & Restrictions$100.00PA 300 Survey Exception (Lender)$100.00PA 900 Environmental Protection Lien (ALTA 8.1)$100.00PA 710 Variable Rate Mortgage (ALTA 6)$100.00PA 910 Environmental Protection Lien (ALTA 8.2, Commercial)$100.00Additional Lender-Required Endorsement$100.00

Closing Protection Letter ($125.00) included automatically

Include transfer taxBuyer's customary half of PA's 2% total

Your Likely Costs*

👇 These numbers update automatically as you enter your details above.

Closing costs

$7,152.50

Est. cash to close

$77,152.50

Includes $70,000.00 down payment. Excludes lender fees, prepaids & escrows.

State-Filed Title Rates$3,165.00

Enhanced Owner's Policy$2,940.00

Lender's Policy (simultaneous issue)$100.00

Closing Protection Letter$125.00

Closing Fees$345.00

Closing Fee$100.00

Document Preparation$150.00

FedEx Fee$50.00

Notary$45.00

Government Recording & Transfer Taxes$3,642.50

Deed Recording$71.25

Mortgage Recording$71.25

Transfer Tax — buyer share (1%)$3,500.00

Recording fees are based on Lancaster County's current schedule — they vary by county.

*Estimates based on current PA TIRBOP-filed rates and typical fees — they should be close, but your final numbers may vary with your lender, municipality, and transaction details. Contact Penn Charter for exact figures.

Estimate only. Title premiums per TIRBOP Manual §5.50 (approved through 08/01/24). Recording fees and local transfer taxes vary by county and municipality. Final figures appear on your Closing Disclosure.