Cash Needed Estimator

"Kosten Koper" Estimator

The mortgage only covers the house price. You need liquid savings for the closing costs. Let's calculate exactly how much.

Property Details

Planned Purchase Price

€

Age of Oldest Buyer

Using a Buying Agent?

Need a Mortgage?

Apply with NHG?

Total Cash Needed

€ 7.950 excl. purchase price

Transfer Tax

€ 0

Agents & Legal

€ 5.000

Reports & Admin

€ 2.950

Detailed Breakdown

Transfer Tax (Exempted) Age < 35 and price under €510,000

€ 0

Buying Agent (Aankoopmakelaar) Average fixed fee across the Netherlands

€ 3.500

Notary Fees Transfer + Mortgage Deeds

€ 1.500

Appraisal (Taxatie) Mandatory for mortgage validation

€ 700

Bank Guarantee Fee Cost to provide the 10% deposit protection

€ 450

NHG Premium (Safety Net) 0.4% of price

€ 1.800

Pro-tip: In the Netherlands, all costs related to financing your home (Notary Mortgage Deed, Appraisal, NHG Fee, Advisor costs) are tax-deductible. You'll get roughly 37-49% of those specific costs back in your next tax return!