Updated · Examples are illustrative.
Separate selling costs from debt payoffs.
Brokerage compensation, settlement charges, repair spending and buyer credits affect the cost of the sale. Your mortgage and other liens also reduce cash at closing, but they are different from the transaction’s selling costs. The worksheet shows both.
Confirm the municipality before choosing a tax number.
Pennsylvania has a state realty transfer tax, and local taxes can also apply. A Pittsburgh mailing address can be outside city limits. Confirm the applicable local rate and the seller’s agreed share with the settlement provider; the worksheet’s 1% is only an editable example.
Get an itemized estimate.
Compensation is negotiable; the example is not a standard or required fee. Ask for a seller net sheet based on the actual agreements and likely terms.
- Brokerage compensation, including any separately negotiated buyer-side payment.
- Transfer taxes, title/settlement charges and municipal certificates or requirements.
- Inspection negotiations, concessions, repairs and clean-out.
- Mortgage payoff, liens, prorations and carrying costs through closing.
Build a Pittsburgh closing-cost worksheet from the parcel up
Start with the property’s municipality, not only its mailing address. Pennsylvania’s Department of Revenue explains that state realty transfer tax is often collected alongside local transfer tax. Ask the settlement provider for the applicable amounts and your contractual share rather than treating a calculator default as the rule.
- Confirm the parcel and municipality through the county property records.
- Request an itemized settlement estimate: transfer taxes, settlement charges, prorations and any required certificates.
- Enter negotiated brokerage compensation and buyer credits separately.
- Keep repairs, clean-out and holding costs separate from settlement charges to avoid double counting.
Mark each expense as confirmed, estimated or still missing
A useful cost sheet records where each number came from and when it was checked. Put an unknown expense on the follow-up list; leaving it at zero can make the available proceeds look too high.
- Confirmed: record the agreement or provider quote and the date it covers.
- Estimated: label your planning allowance and test a higher-cost scenario.
- Missing: note who will confirm the amount and when you need it.
Keep costs already paid separate from amounts still due so you can discuss both the whole project budget and cash at closing. The calculator is a planning estimate, not a settlement statement.
Read the selling-cost guide’s payoff and double-counting checklist, then estimate what could remain after payoffs. If you have an actual offer, request a comparison with a potential listing.
Common questions
Is the default tax percentage the Pittsburgh rate?
No. It is a placeholder for the seller’s share, not a statement of the city’s combined rate. Replace it after confirming the municipality and contract allocation.
Are brokerage fees fixed?
No. Use the compensation you negotiate and agree to in writing; do not assume the worksheet’s example applies to your transaction.
Check the source
- Pennsylvania realty transfer tax ↗
- City of Pittsburgh tax information ↗
- Allegheny County property search ↗
Confirm current requirements for your property with the appropriate professional.