Per month
Principal, interest, Delco property tax, insurance, mortgage insurance, and the cash you need at closing with the transfer tax applied.
Open itHow much house
Income, debts and savings in; a realistic price under conventional and FHA rules out, with Delaware County tax assumptions.
Open itTransfer tax
Type a price, pick the municipality, see the tax and the usual buyer and seller split. Radnor, Upper Darby, Chester City and Upper Providence charge more.
Open itWhat the calculators get right about Delco
Two things a generic calculator misses. First, the transfer tax: 2% of the price in most of Delaware County, 1% to the state and 1% to the municipality and school district, customarily split between buyer and seller. Radnor, Upper Darby and Chester City take 2.5%, Upper Providence takes 3%. On a $300,000 twin that's $6,000 to $9,000 changing hands at the closing table, and your half of it is cash you need on the day.
Second, property tax. Delaware County reassessed everything in 2021, so the assessed value on the county site is close to what the house is worth and the millage is applied to a real number. The calculators use a county-wide estimate; the town pages carry the district figures. Either way, say the number plain and the lender who calls you back will check it against the actual tax bill.