Home Finance Loans & Financing Real Estate Financing Property purchase cost calculator Rechnerpilot Calculator
Property purchase cost calculator Plan transfer tax, buyer's broker fee, notary, land register and other costs together with equity and financing needs.
Calculation note This calculation is for general orientation only. The result is based on your inputs and the stated assumptions, and may contain rounding.
The result does not constitute investment, credit, insurance or financial advice.
Terms of use Explanation
How Property purchase cost calculator works The calculator combines the main entered acquisition costs. Only transfer tax comes from a statutory reference table; every other percentage and amount is an adjustable assumption.
Capital requirement and financing Purchase costs Real estate transfer tax + broker costs + notary/land register + other costsBroker and notary/land-register costs use the percentages entered by the user.
Financing required max(0, purchase price + purchase costs − equity)The calculation does not say whether a loan is available or on what terms.
Keep assumptions transparent Notary, land-register and broker costs are not guaranteed flat rates. Replace assumptions with contract and fee information when available.
Practice
Practical examples For illustration only – your own calculation is what counts.
Purchase costs in North Rhine-Westphalia €400,000 price, 6.5% tax, 3.57% buyer's broker fee, 1.5% notary/land register, €5,000 other costs and €100,000 equity.
Result: Ancillary costs €51,280, total capital €451,280 and financing need €351,280.
Purchase without buyer's broker fee in Bavaria €300,000 price, 3.5% tax, 0% buyer's broker fee, assumed 2% notary/land register and €60,000 equity.
Result: Ancillary costs €16,500, total capital €316,500 and financing need €256,500.
Financing only the purchase price Ancillary costs and reserves are missing.
Record expected costs separately and review total capital.
Entering the full broker fee Broker costs are overstated.
Enter only the share actually owed by the buyer.
Treating the notary ratio as guaranteed An adjustable assumption is mistaken for an invoice.
Have the specific transactions and values reviewed.
FAQ
Frequently asked questions Which purchase costs are included? Transfer tax, the entered buyer's broker fee, an adjustable notary and land-register assumption, and entered other costs.
Where does the transfer tax come from? It is calculated from the same central state table as the transfer tax calculator.
Are notary and land-register costs a fixed percentage? No. The percentage is an adjustable planning assumption. Actual fees depend on transaction values, activities and statutory fee law.
Is the broker fee always fixed by law? No. The input is only the agreed share borne by the buyer. Amount, scope and allocation depend on the contract and applicable rules.
How are broker costs divided? For purchases covered by sections 656c and 656d BGB, rules apply to equal commitments or passing on costs. Not every property purchase is covered.
How is equity used? Entered equity is deducted from total capital required. A negative financing need is limited to zero.
What do the equity and ancillary-cost ratios mean? The equity ratio uses total capital; the ancillary-cost ratio uses the purchase price. Both are planning indicators.
What belongs in other costs? Only additional purchase or financing costs you have identified. Renovation, moving and reserves should not be mixed in unnoticed.
Is the total binding? No. The tax assessment, notary and court invoices, broker contract and actual extra costs may differ.
Does this replace financing or legal advice? No. It is a simplified budget overview for a property purchase.
Broker, notary and land-register values are user inputs, not guaranteed flat rates. Loan terms, bank valuation and liquidity reserves are not assessed. No binding cost, financing, tax or legal information. Sources
Sources and references Aktuelle Grunderwerbsteuersätze – Stand 28.01.2026 Deutsches Notarinstitut (DNotI) Professional table of all German state rates.
View source As of: 01/28/2026 · Retrieved: 07/30/2026 · Verified on: 07/30/2026 § 8 GrEStG – Bemessungsgrundlage Bundesministerium der Justiz / Bundesamt für Justiz Official rule on the tax base.
View source Retrieved: 07/30/2026 · Verified on: 07/30/2026 · Primary source § 9 GrEStG – Gegenleistung Bundesministerium der Justiz / Bundesamt für Justiz Official definition of consideration.
View source Retrieved: 07/30/2026 · Verified on: 07/30/2026 · Primary source § 3 GrEStG – Allgemeine Ausnahmen Bundesministerium der Justiz / Bundesamt für Justiz Official exemptions not individually assessed.
View source Retrieved: 07/30/2026 · Verified on: 07/30/2026 · Primary source § 656c BGB – Lohnanspruch bei Tätigkeit für beide Parteien Bundesministerium der Justiz / Bundesamt für Justiz Official rule on equal broker commitments for covered purchases.
View source Retrieved: 07/30/2026 · Verified on: 07/30/2026 · Primary source § 656d BGB – Vereinbarungen über die Maklerkosten Bundesministerium der Justiz / Bundesamt für Justiz Official limit on passing broker costs to the other party.
View source Retrieved: 07/30/2026 · Verified on: 07/30/2026 · Primary source Notarkosten Bundesnotarkammer Professional primary information on statutory notary fees.
View source Retrieved: 07/30/2026 · Verified on: 07/30/2026 Related calculators
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