Pennsylvania mortgage guides
Plain-English articles on Pennsylvania home financing, PHFA programs, transfer tax, and the real numbers that move a deal. Written by Mike Certo, NMLS #260555.
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Closing costs ·
Philadelphia raised its transfer tax in 2025. Here is what Pennsylvania buyers actually pay now.
Philadelphia's realty transfer tax reached 4.578% in July 2025, and a lot of calculators never caught up. Here is the current city-by-city math, who pays, and how PHFA K-FIT can cover it.
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More Pennsylvania guides are on the way. In the meantime, the first-time buyer guide and the down payment assistance guide cover the essentials.