Pennsylvania seller closing costs explained
Closing costs vary by contract and location, but these are the items Pennsylvania sellers most often see on a settlement statement.
Realty transfer tax
Pennsylvania charges a 1% state realty transfer tax on most sales, and many local governments and school districts add their own, often around 1% combined. Some municipalities charge more. Who pays is negotiable; splitting it is common. Check the rate for your municipality.
Mortgage payoff and liens
Your lender's payoff includes the remaining balance plus interest to the payoff date. Any home equity line, judgment, or unpaid municipal bill must also be cleared.
Commission
Commission is negotiable and set by your listing agreement. Ask any agent to explain what is included.
Prorated taxes and utilities
Property taxes and some utility charges are split between buyer and seller based on the closing date.
Other common items
- Deed preparation and notary fees
- Any agreed repair credits to the buyer
- Municipal resale or use and occupancy certificates where required
- Home warranty, if you offer one
Your settlement company provides the final figures before closing.
General information only, not legal, tax, or financial advice. Laws and local rules change; confirm details for your situation.
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