Answers by Patricia Pezick

That’s a tough one. If you use a physicians or professional mortgage you can put no money down but you will still have to cover the closing costs. If you use a title company to close they will have fees. Also in the state of PA. there is a 1 percent transfer tax paid by both buyers and sellers. Depending on where you live, there are grants available to help defray the closing costs. And sometimes the seller will offer an assist which will help with the closing costs.