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PA State FlagThis page will explain the operation of the Pennsylvania Good Faith Estimate & Mortgage Closing Cost Calculator. I believe the use of this calculator is self explanatory, but you may have a question or two. Hopefully this tutorial will clear up any uncertainties If not, send me an E-mail.

Which loan program is right for me?

VA home loan

If you're an eligible veteran with little or no cash, or cannot make a significant down payment, choose the VA home loan with the maximum seller paid closing cost option. Read more

FHA home loan

The FHA is a very popular loan program for home buyers with little or no cash. The down payment is only 3.5% and the seller can pay a large percentage of the home buyer's closing costs. Choose "maximum" under the seller assistance option to obtain the lowest cash requirement. Read more

USDA home loan

The USDA loan does not require a down payment - zero. Like the FHA program, the seller is permitted to pay a large percentage of the buyer's costs. There are income limits and area requirements. Read more

Conventional home loan

The conventional loan is best when there is a down payment of 5% or more. The seller can also pay a percentage of the home buyer's closing costs, although the maximum amount is dictated by the down payment percentage. Read more