- 01
The payment, month by month
Principal, interest, property tax, insurance and mortgage insurance in one figure, with the cash needed at closing and the transfer tax applied on top.
- 02
What price is realistic
Income, monthly debts and savings in; a realistic price out, under conventional and FHA rules, using local tax assumptions.
- 03
Transfer tax
Type a price, pick the municipality's rate, see the tax and the customary split between buyer and seller.
What a calculator cannot tell you
Whether the lot percs. Whether the township's millage on a 1996 assessment lands where the listing says it does. Whether the address is on the USDA side of the line. Whether the builder's draw schedule matches the appraiser's inspections. A calculator gives you the shape of the number. The number itself comes from a licensed Pennsylvania lender on the callback, subject to approval, with the difference between the two explained.
Use these to get within a few thousand dollars. Then call.