Pennsylvania Seller Closing Costs in 2021: How Much Will You Pay?

Jamie Ayers


Jamie Ayers

May 11th, 2021
Updated May 11th, 2021


Completing your home sale can be a huge relief. But if you haven’t prepared for closing costs, you’ll be shocked when you notice 3% of your home’s sale price are going to these expenses. Here’s all the information about Pennsylvania closing costs that you need to maximize your home sale profits.

How Much Are Closing Costs for Sellers in Pennsylvania?

Closing, the final stage of a home sale, carries with it a number of expenses related to the home sale that are collectively called closing costs. These costs can range anywhere from 1%-7% of a home’s sale price and don’t include realtor commission fees which can tack on an additional 6%.

This can be take away a huge chunk of your equity; any cost-saving options can mean the difference between losing money or making a profit. One way to lower the amount you pay at closing is to work with a full-service local real estate agent who work for less than the traditional commission rate.

> Discover top agents near you and save up to 50% on commissions.

In the meantime, here’s everything you need to know about seller closing costs in Pennsylvania and what to expect during your home sale.

What are closing costs?

Closing costs are a combination of expenses and fees related to the closing of a home sale that are paid when the property is transferred from one owner to another. They are fully fleshed out during the last phase of a home sale after the purchase agreement has been honored by both the seller and the buyer.

Closing costs can include prorated rent or utilities, title insurance, home warranties, and more; any service or process that helped successfully end the transaction needs to be covered.

Once contingencies have been lifted, the escrow company will release the funds to the seller and ownership of the property will officially be transferred to the new owners.

How much are closing costs in Pennsylvania?

Closing costs in Pennsylvania can range from 1%-7% of a home’s sale price, though sellers typically cover from 1%-3% with the rest covered by the buyer, according to data from

However, closing costs will vary depending on the state of your market, the condition of your home, municipality laws, and whether your home is part of an HOA.

Sellers in Pennsylvania are also responsible for paying realtor commission fees for both their agent and the buyer’s at closing. In Pennsylvania these fees average 6%.

Your real estate agent or title company will provide you with a net sheet that will clarify any costs and expenses that you have to pay as a seller before closing occurs.

How to Calculate Your Closing Costs in Pennsylvania

Sellers can use a simple equation to calculate closing costs and get a ballpark estimate of their expected payment. The equation is as follows:

(Sale Price of a Home) x (Closing Costs Percentage) = Closing Costs

The median sale price of Pennsylvania homes is $200,367. Using this number, it’s easy to get an estimation of closings costs. Most Pennsylvania home sellers can expect to pay around $2,004- $6,011 in closing costs.

To get a more accurate estimate you can use your home’s actual listing price.

Don’t be surprised by closing costs in Pennsylvania!

Talk to an experienced agent and calculate your closing costs today.

What’s included in Pennsylvania closing costs?

As closing costs include a variety of different costs and vary from state to state there are a multitude of expenses that are covered under the term. Pennsylvania closing costs can total 7% of a home’s sale price, but buyers and sellers split the expenses.

Here’s what Pennsylvania closing costs include.

Title Search: $300-$600

A title search is performed to ensure that there are no outstanding liens or debts on the property and that the property is owned by the seller.

Title Insurance: $1,000

Usually required by the lender, title insurance is a policy that protects a property’s current owners and mortgage lenders from any financial burdens brought on by previous title issues.

Home Inspection: ~$430

Home inspections provide a detailed evaluation of a home’s condition including any necessary repairs.

Appraisal: ~$350

An appraisal provides an estimate of a home’s value and is used by lenders to verify a home’s worth.

Survey: ~$500

Also used by lenders, surveys assess a property’s boundaries and lot size.

Credit Report: $20-$50

Credit reports are used by lenders to ensure that borrowers have the required credit score and good credit history.

Loan Costs: 1.5% of Sale Price

Loan origination fees, application fees, and prepaid interest are combined under loan costs.

Mortgage Payoff/Prepayment Penalty: Varies

Your lender may assess penalties for paying off a loan early, you’ll need to ask about any penalties to determine how much they are.

Outstanding Amounts Owed on the Property: Varies

At closing, any outstanding amounts owed on the property will need to be paid including homeowners insurance, property taxes, HOA fees, and utility bills.

Transfer Taxes: Varies

Transfer taxes are paid at closing and vary from state to state.

Recording Fees: Varies

Property transfer deeds will need to be filed at the local county office by a third-party.

Settlement or Attorney Fee: $150 to $500

Pennsylvania law requires an attorney’s presence at closing.

Other Home Selling Costs in Pennsylvania

In addition to closing costs, sellers should be aware of other costs related to home selling. While some of these expenses can be paid after closing, the majority of them will need to be paid for out-of-pocket by the seller.

Sellers should set aside funds for repairs or renovations. If a seller chooses to renovate and make repairs prior to listing their home, they can increase their home’s value and net a major return on investment with a higher sale price.

Realtor commission fees can take a hit to the seller’s profit margins. Commission fees in Pennsylvania are 6% of a home’s final sale price, split between the buyer’s and listing agents. As the median sale price of homes in Pennsylvania is $200,367, sellers can expect to pay a little over $10,000 in realtor commission fees.

> Learn more about the cost of selling a house in Pennsylvania.

Who pays closing costs in Pennsylvania?

Both buyers and sellers pay closing costs in Pennsylvania, these costs can total to 7% of a home’s sale price. However, buyers typically pay more in closing costs. Here’s a quick breakdown of who pays what closing costs in Pennsylvania.

Typical Seller Closing Costs

Sellers pay from 1%-3% of the home’s sale price in closing costs. These costs represent a range of expenses that are necessary to close the sale and complete the transfer of ownership.

Here are the closing costs that sellers can expect to cover:

  • Fees for buyer’s title insurance policy
  • Outstanding amounts owed on the property
  • Transfer taxes
  • Recording fees
  • Mortgage payoff and prepayment penalty*
  • Seller’s attorney fees*

*Not applicable to all home sales.

Typical Buyer Closing Costs

Buyers usually pay around 5%-6% of the home’s purchase price in closing costs. These costs are primarily made up of services required by their lender to complete the mortgage loan. Here’s what buyers can expect to cover.

  • Home inspection
  • Title search fees
  • Lender’s title insurance
  • Credit report fees
  • Appraisal fees
  • Loan fees
  • Survey fees*
  • Settlement fees*
  • Buyer’s attorney fees*

*Not applicable to all home sales.

Should you pay the buyer’s closing costs?

Whether you choose to pay the buyer’s closing costs is up to you. This type of seller concession is common in cooler markets and sellers want to stand out among the competition. In cases where the home has a lower appraisal value or is in need of significant repairs, buyers may attempt to negotiate seller payment of all closing costs to make up for the loss.

A talented real estate agent can explain the pros and cons of paying the buyer’s closing costs and determine whether it’s right for your home sale. Discuss your options with a professional before making a final decision.

Key Takeaways for Pennsylvania Home Sellers

Sellers should expect to pay anywhere from 1%-3% of a home’s sale price in closing costs. These costs are accrued during the home sale and are necessary to complete the sale.

Sellers must also budget for related home selling costs including realtor commission fees and repair costs.

It’s important for homeowners to understand selling expenses. An experienced real estate agent can outline all selling expenses and give the buyer an accurate estimate of what they can expect to take home once these costs are deducted.

And when you work with a low-commission, full-service agent, you can save on the realtor fees you pay at closing.

Clever Real Estate matches sellers with top local agents who provide all their services, but for significantly less. Partner Agents work for a flat listing fee of $3,000 or 1% of a home’s sale price if it sells for $350,000 or more.

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