Your starting point
Learn the costs and key decisions before you begin your home search. Use this guide to prepare your questions, then confirm the details for your own property and agreement.
Know your full cash needs
Ask a lender about the down payment and closing costs. Keep separate funds for moving, repairs, and emergencies. Do not spend every dollar on closing.
Compare loan choices
Get written estimates and ask what can change. Ask whether you qualify for a buyer program through the Pennsylvania Housing Finance Agency. Eligibility and funding can change.
Understand who represents you
Talk with an agent about services, agency, and compensation. Read any agreement before signing and ask about its length, fees, and how it can end.
Learn the offer and inspection steps
An offer includes more than a price. Review contingencies and deadlines. A home inspection can help you understand condition, but it cannot uncover every problem.
Read the closing documents
Compare your Closing Disclosure with earlier estimates. Ask the lender or settlement team to explain changes. Never rely on an unexpected email for wiring instructions.
Read the source. Check the details.
Written for Pennsylvania residential buyers and sellers. General guidance only. Loan terms, local rules, and contract deadlines must be confirmed with the right professional.