Mortgage Calculator PA

If you are planning to buy a home in Pennsylvania, using a mortgage calculator PA can be incredibly helpful.

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mortgage calculator pa

Mortgage Calculator With Taxes and Insurance PA

A mortgage calculator with taxes and insurance for PA is a tool that can help you estimate your monthly mortgage payments, including property taxes, homeowners insurance and it will be easy to compares rates from different lenders.

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Mortgage Closing Cost Calculator PA


A mortgage closing cost calculator PA is a tool that can help you estimate the closing costs associated with buying a home in Pennsylvania. Closing costs are the fees that buyers and sellers pay to complete a real estate transaction.


To use a mortgage closing cost calculator PA, simply enter the purchase price of your home, your down payment, and the interest rate you are considering. The calculator will then display an estimate of your closing costs.

More To Learn Mortgage Calculator Ma 

Mortgage Rates Pennsylvania

Mortgage rates in Pennsylvania are currently at a competitive level. The average mortgage rates in pa today as September 25, 2023

30-year fixed-rate

mortgage in Pennsylvania is 7.60%

The national average of 7.66%.

Pennsylvania Credit Union Mortgage Rates

Credit union mortgage rates in Pennsylvania:


  • 30-year fixed: 7.355% - 7.48%
  • 15-year fixed: 7.167% - 7.23%
  • 5/1 ARM: 7.38% - 7.50%

Jumbo Mortgage Rates PA

As of September 26, 2023, the average jumbo mortgage rate in Pennsylvania is 7.50% for a 30-year fixed mortgage, according to U.S. Bank.


Jumbo mortgages are loans that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. For 2023, the conforming loan limit in Pennsylvania is $726,200. Any loan that exceeds this amount is considered a jumbo mortgage.

Best Mortgage Lenders in PA

The top mortgage lenders in PA can vary depending on your individual needs and circumstances. However, some of the most popular and highly-rated lenders in the state include:


  1. PNC Bank
  2. Citizens Bank
  3. Wells Fargo
  4. Chase
  5. Bank of America
  6. US Bank
  7. Santander Bank
  8. TD Bank
  9. Navy Federal Credit Union
  10. USAA
  11. Veterans United Home Loans
  12. Freedom Mortgage


They have different mortgages services such as Conventional loans, FHA loans, VA loans and jumbo loans with competitive rates and fees.

Mortgage Broker Pennsylvania

Here are some mortgage brokers in Pennsylvania:


  • Innovative Mortgage Brokers
  • Keegan Mortgage Corporation
  • Co/LAB Lending
  • Mortgage Investors Group
  • NFM Lending
  • Guaranteed Rate
  • United Wholesale Mortgage
  • LoanDepot
  • Rocket Mortgage
  • Wells Fargo
  • PNC Bank
  • Chase

Current Mortgage Rates Bucks County Pa

According to Bankrate, the current mortgage rates in Bucks County, PA as of September 26, 2023 are:


30-year fixed-rate mortgage: 7.60%

15-year fixed-rate mortgage: 6.88%

5-year adjustable-rate mortgage (ARM): 7.96%

Mortgage Rates in Erie, PA

Erie pa mortgage rates [ as of September 26, 2023]

Currently at 7.62% for a

30-year fixed-rate

The national average of 7.66%.

Mortgage Rates Allentown PA

Allentown pa mortgage rate [ as of September 26, 2023]


30-year fixed-rate mortgage: 7.60%

15-year fixed-rate mortgage: 6.88%

5-year adjustable-rate mortgage (ARM): 7.96%

Altoona PA Mortgage Rates

As of September 26, 2023, the average mortgage rates in Altoona, PA are:


30-year fixed: 7.255%

15-year fixed: 6.588%

5/1 ARM: 7.365%

Current Mortgage Interest Rates Philadelphia

According to Bankrate, current mortgage interest rates in Philadelphia, PA as of September 26, 2023 are:


30-year fixed-rate mortgage: 7.60%

15-year fixed-rate mortgage: 6.88%

5-year adjustable-rate mortgage (ARM): 7.96%

Mortgage Rates in Pittsburgh, PA

Pittsburgh pa mortgage rates:

30-year mortgage rates Pittsburgh, pa [ as of September 26, 2023]

Currently at 7.59%

30-year fixed-rate mortgage

The national average of 7.66%.current mortgage rates in Scranton pa

Mortgage Rates Chester county PA

According to Bankrate, mortgage rates Chester county, PA as of September 26, 2023 are:


30-year fixed-rate mortgage: 7.60%

15-year fixed-rate mortgage: 6.88%

5-year adjustable-rate mortgage (ARM): 7.96%

Current Mortgage Rates in Scranton, PA

According to Bankrate, the current mortgage rates in Scranton, PA as of September 26, 2023 are:


30-year fixed-rate mortgage: 7.60%

15-year fixed-rate mortgage: 6.88%

5-year adjustable-rate mortgage (ARM): 7.96%

Mortgage Rates in York, PA

Mortgage rates in York, PA are ( as of September 26, 2023)

Current mortgage rates at 7.61%

30-year fixed-rate

The national average of 7.66%.

Current Mortgage Rates Reading PA

According to Bankrate, the current mortgage rates in Reading, PA as of September 26, 2023 are:


30-year fixed-rate mortgage: 7.60%

15-year fixed-rate mortgage: 6.88%

5-year adjustable-rate mortgage (ARM): 7.96%

Mortgage Rates in Harrisburg, PA

Mortgage rates in Harrisburg, PA are[ as of September 26, 2023]:

Currently Mortgage rates at 7.60%

30-year fixed-rate

The national average of 7.66%.

Mortgage Rates Easton PA

According to Realtor.com, the current mortgage rates in Easton, PA as of September 26, 2023 are:


30-year fixed: 7.56%

15-year fixed: 6.78%

5-year ARM: 6.99%

Mortgage Rates in Lancaster, PA

Mortgage rates in Lancaster, PA are [ as of September 26, 2023]

Currently at 7.60%

30-year fixed-rate

The national average of 7.66%.

Mortgage Rate Hanover PA

According to Realtor.com, the current mortgage rates in Hanover, PA as of September 26, 2023 are:


  • 30-year fixed: 7.58%
  • 15-year fixed: 6.82%
  • 5-year ARM: 6.92%

Reading PA Mortgage Rates

As of September 27, 2023, the average mortgage rates in Reading, PA are:


  • 30-year fixed: 7.35%
  • 15-year fixed: 6.58%
  • 5/1 ARM: 7.36%

FHA Mortgage Rates in PA

FHA mortgage rates in PA are [ as of September 26, 2023]

FHA mortgage rates at 7.55%

30-year fixed-rate mortgage,

The national average of 7.66%.

Best FHA Lenders in PA

Here are some of the best FHA lenders in Pennsylvania:


  1. AmeriSave Mortgage
  2. Bank of America
  3. CrossCountry Mortgage
  4. New American Funding
  5. Guild Mortgage
  6. HomeBridge Financial Services
  7. LoanDepot
  8. PennyMac
  9. PNC Bank
  10. Rocket Mortgage
  11. Wells Fargo


These lenders have a well known for working with FHA borrowers and offer a variety of loan services options. Compare their competitive rates and fees.

Best Mortgage Rates Pennsylvania

The best mortgage rates in Pennsylvania considering data according to Bankrate, the average interest rate for a 30-year fixed-rate mortgage in Pennsylvania as of September 26, 2023 is 7.60%. This is slightly lower than the national average of 7.66%.

Lowest Mortgage Rates Pennsylvania

Mortgage rates frequently fluctuate and it is depends on different factors such as type of mortgage, your credit score, and the lender you choose. To find the current lowest mortgage rates in Pennsylvania, You can check with local banks, credit unions, or using online resources such as mortgage rate comparison websites.

Here are some of the lenders that offer the lowest mortgage rates in Pennsylvania:


  1. PNC Bank
  2. Citizens Bank
  3. Wells Fargo
  4. Chase
  5. Bank of America
  6. US Bank
  7. Santander Bank
  8. TD Bank
  9. Navy Federal Credit Union
  10. USAA
  11. Veterans United Home Loans
  12. Freedom Mortgage

Home Refinance Rates Pennsylvania

Average home refinance rates in Pennsylvania as of September 26, 2023:


30-year fixed: 7.13%

15-year fixed: 6.88%

5/1 ARM: 7.38%

First Time Home Buyer PA Programs

There are a number of first-time home buyer programs available in Pennsylvania.


The most popular first-time home buyer programs in Pennsylvania:


  1. Pennsylvania Housing Finance Agency (PHFA) First Homeowner Mortgage Program: This program is dedicated to offers a low-interest mortgages to first-time homebuyers with low to moderate incomes.
  2. PHFA Keystone Home Loan Program: This program offers a different kinds of loan options to first-time homebuyers, including conventional loans, FHA loans, and USDA loans.
  3. PHFA HomeReady Mortgage Program: This program offers low-interest mortgages to first-time homebuyers with down payments as low as 3%.
  4. PHFA Home Possible Mortgage Program: This program offers low-interest mortgages to first-time homebuyers with down payments as low as 3%.
  5. USDA Rural Development Guaranteed Loan Program: This program offers no-down-payment mortgages to first-time homebuyers who are buying a home in a rural area.
  6. VA Home Loan Program: This program offers no-down-payment mortgages to eligible veterans, service members, and their spouses.


In addition to these statewide programs, there are also a number of local first-time home buyer programs available in Pennsylvania.

First Time Home Buyer PA Down Payment

The down payment requirement for first-time homebuyers in Pennsylvania varies depending on the type of loan you qualify for.


Conventional loan: 20% down payment required, but there are some options for lower down payments, such as the Fannie Mae HomeReady Loan and the Freddie Mac Home Possible Loan.


  • FHA loan: 3.5% down payment required
  • USDA loan: No down payment required
  • VA loan: No down payment required

Credit Score To Buy a House In PA

The minimum credit score to buy a house in Pennsylvania depends on the type of loan you qualify for.


  • Conventional loan: A conventional loan is a mortgage that is not backed by the federal government. Conventional loans typically require a credit score of at least 620.

  • FHA loan: FHA loans are insured by the Federal Housing Administration. FHA loans have more flexible credit score requirements than conventional loans. With an FHA loan, you can qualify with a credit score as low as 500.

  • USDA loan: USDA loans are insured by the United States Department of Agriculture. USDA loans are available to borrowers who are buying a home in a rural area. USDA loans do not require a minimum credit score.

  • VA loan: VA loans are guaranteed by the Department of Veterans Affairs. VA loans are available to eligible veterans, service members, and their spouses. VA loans do not require a minimum credit score.

Low Credit Score Mortgage Lenders In Pennsylvania

Here are some low credit score mortgage lenders in Pennsylvania:


  • Cornerstone First Financial
  • Cherry Creek Mortgage
  • eClick Lending
  • Garden State Home Loans
  • Reliant Home Funding
  • U.S. Bank
  • Valley Bank
  • Wells Fargo

First-Time Home Buyer PA Requirements

To qualify for a first time home buyer pa requirements, you must meet the following general requirements:

  1. Be a first-time homebuyer, or have not owned a home in the past three years.
  2. Have a minimum credit score (this varies depending on the program).
  3. Meet income limits (these also vary depending on the program).
  4. Make a down payment (this may be reduced or waived for some programs).
  5. Complete a homebuyer education course.

Commercial Mortgage Rates in Pennsylvania

According to Commercial Loan Direct, commercial mortgage rates in Pennsylvania range from 5.98% to 18.76% as of September 25, 2023.

How Much House Can I Afford in Pennsylvania?

To know estimated calculation for how much house you can afford, you can use a mortgage calculator. Simply enter your income, debt, and down payment, and the calculator will estimate your maximum loan amount.

Average Mortgage Payment in PA

The average payment in Pennsylvania varies depending on factors like loan amount, interest rate, and loan term.


The average monthly mortgage payment in Pennsylvania is $1,071, according to MoneyGeek. This is lower than the national average of $1,551. The lower average mortgage payment in Pennsylvania is likely due to the state's lower cost of living.

How To Buy a House in Pennsylvania?

Few steps to buy a house in Pennsylvania are following:


  • Getting pre-approved for a mortgage. Getting pre approval through a banks, credit union or from mortgage brokers.
  • Find a real estate agent. You can find a real estate agent through word-of-mouth, online directories, or by interviewing agents directly.
  • Start shopping for a home. You can search online listings, attend open houses, or ask your agent to send you listings that meet your criteria.
  • Make an offer. Your real estate agent can help you write the offer and negotiate with the seller.
  • Get a home inspection. Once your offer is accepted, you will need to get a home inspection.
  • Close on the house. This is when you will sign all of the paperwork and take ownership of the home.
  • Be ready to move quickly. The housing market in Pennsylvania is competitive, so it is important to be prepared to move quickly when you find a home that you like.
  • Be flexible with your budget. You may not be able to find your dream home within your exact budget, so be prepared to be flexible.
  • Try to negotiate more. The seller may be willing to negotiate on the price or other terms of the sale. So always try to negotiate with sellers for more.
  • Work with a qualified real estate agent. It will help you through the buying process and represent your best interests.

FAQs For Mortgage Calculator PA:

Does Pennsylvania have high property taxes?

Property tax rates in Pennsylvania can vary, but some areas may have relatively high property taxes compared to other states.

What taxes do you pay when you buy a house in PA?

When buying a house in Pennsylvania, you may need to pay transfer taxes, recording fees, and possibly other local taxes, depending on the municipality.

Can you sell a house for a dollar in PA?

Yes, it is possible to sell a house for a nominal amount, such as one dollar, in Pennsylvania.

 Which PA counties have the lowest property taxes?

The counties with the lowest property taxes in Pennsylvania can vary, but generally, some rural counties tend to have lower property tax rates compared to urban areas.

What credit score do you need to buy a house in PA?

While credit score requirements can vary among lenders, having a credit score of around 620 or higher is typically considered favorable for obtaining a mortgage in Pennsylvania.

What is the average mortgage payment in PA?

The payment in Pennsylvania can vary based on factors such as loan amount, interest rate, and loan term. It is advisable to use this calculator or consult with lenders for a more accurate estimate based on individual circumstances.

Mortgage Calculator PA