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Guides to the Philadelphia-only parts of getting a mortgage

The stuff a national website will never tell you, because it doesn't know. Written for people buying here, checked against the actual program rules.

Philadelphia transfer tax

The 4.578% rate broken down, the customary split, the short list of exemptions, the suburban rates, and why a refinance owes nothing.

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Philly First Home program

How the city's $10,000 first-time buyer grant works, who fits under the income table, and the two rules that end eligibility.

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PHFA loans

Every current PHFA program with the July 2026 limits by county, the three assistance seconds compared, and a straight answer on HOMEstead.

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Closing costs in PA

What a Pennsylvania closing actually costs, with the title insurance manual rates, the transfer tax split, and a $300,000 example for the city and the suburbs.

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Tangled titles in Philadelphia

What a tangled title is, why it stops a refinance or a sale, and the city fund that pays the legal costs to clear it.

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Philadelphia property tax and the abatement

The rate, the $100,000 Homestead Exemption, LOOP, how the post-2022 abatement phases down, the 2027 reassessment, and what your lender escrows.

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Rowhome appraisals and inspections

The appraisal checklist for old Philly rowhomes, what changed in the VA rules on May 1, 2026, repair escrows, and the 2026 FHA and VA numbers.

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First-time buyers in Bucks County

The county's $10,000 deferred loan, PHFA's July 2026 limits for Bucks, the 2% transfer tax, USDA in Upper Bucks, and a $350,000 Bensalem example.

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Down payment assistance in Montco, Delco, and Chester

Each county's first-time buyer program with its income limits and repayment rules, the PHFA and employer layers, and a $325,000 Norristown example.

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