Buying a home in Pennsylvania? Whether you’re a first-time buyer or just new to the state, the process can feel overwhelming—but it doesn’t have to be. Here’s a breakdown of the most common questions buyers ask, with answers that guide you from your first offer to the final closing.
❓ Q: I found a home I love. What’s the first step?
A: Once you’re ready to make an offer, your real estate agent will help you draft a Purchase Agreement. In Pennsylvania, this includes your offer price, any contingencies (like home inspections or financing), your preferred closing date, and an earnest money deposit—typically 1%–2% of the purchase price.
❓ Q: How do home inspections work in PA?
A: After your offer is accepted, you’ll typically have 7–15 days to complete inspections. Common ones include:
- General home inspection
- Termite/pest inspection
- Radon testing
- Septic/well (for rural properties)
Inspections aren’t legally required, but they’re highly recommended. If issues come up, you can negotiate repairs, request credits, or walk away entirely—if your agreement has the proper contingencies.
❓ Q: What’s the deal with Pennsylvania’s disclosure laws?
A: Pennsylvania is a full disclosure state, meaning sellers are required to disclose known material defects using the Seller’s Property Disclosure Statement. This gives you valuable insight into the home’s condition before committing.
❓ Q: How long does closing usually take?
A: Most closings in Pennsylvania take about 30 to 45 days after an offer is accepted. Timing can vary depending on:
- Lender approval
- Inspection/repair timelines
- Title search and legal review
- Appraisal process
❓ Q: What closing costs should I expect?
A: Buyers in PA typically pay 3%–6% of the home’s purchase price in closing costs. These can include:
- Loan origination fees
- Appraisal and inspection fees
- Title insurance
- Transfer tax (split between buyer and seller, varies by municipality)
- Attorney fees (optional but common in PA)
❓ Q: Is an attorney required for closing in PA?
A: No, Pennsylvania does not require an attorney to be present at closing. However, many buyers choose to hire one to review contracts, especially when buying older homes or dealing with estate sales or zoning complexities.
❓ Q: When do I get the keys?
A: Usually, you’ll receive the keys immediately after closing—once all documents are signed, funds are transferred, and the deed is recorded. Congratulations! You’re officially a Pennsylvania homeowner.
✅ Bonus Tip: Work With a Local Agent Who Knows the Process
PA’s homebuying process can differ from other states. Local laws, taxes, and real estate customs vary from county to county. Having a Pennsylvania-based real estate agent on your side makes all the difference when navigating negotiations, inspections, and paperwork.