- 41 - REAL ESTATE LAWS & CUSTOMS BY STATE ©2026 Commonwealth Land Title Insurance Company (08/26) PENNSYLVANIA Title Insurance Rates Filed Form of Conveyance Special Warranty Deed; General Warranty Deed State Encumbrance Forms Mortgage Customary Closing Entity Title company; others Commitment Issued? Duration? Yes. 6 months. When is Invoice Issued? PA is an all-inclusive rate state. Premium is paid at closing and there is no separate charge for the title commitment. A fee is charged if cancelled. Deed Transfer Tax? Yes, Realty Transfer Tax (state and local municipalities) Mortgage Tax? No Leasehold Tax? Yes, Realty Transfer Tax applies to leases if the term (including options to renew) is 30 years or longer. CUSTOMARY FEE SPLITS Owner’s Policy Premium Buyer pays Loan Policy Premium Buyer pays Title Search & Examination Included in premium Survey Charges Buyer typically pays. Also negotiable. Deed Transfer Tax Divided equally between Buyer and Seller. If one of the parties is an exempt party, the other party, if not also exempt is liable for 100% of the tax. Mortgage Tax Not applicable Closing Fees Generally included in premium. Pennsylvania has an all-inclusive premium rate. There is an exception for out of office or after hours closing with statutory notice to consumer Recording Fees Usually Buyer pays to record Deed, but may vary by region. Buyer pays to record Mortgage. Seller pays to record documents to remove encumbrances
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