Real Estate Purchase Costs in France for 2026
Estimate total purchase costs of real estate: transfer tax DMTO (used 5.80% / new 0.715%), notary fees, living expenses (deburs). Total cost and necessary mortgage.
Characteristics of the Immovable
Purchase Price
| Voice | Amount | Description |
|---|---|---|
| Prix du bien | 300 000,00 EUR | Prix de vente net vendeur |
| Frais d'agence (inclus dans prix) | 0,00 EUR | Deja inclus dans le prix affiche |
| Droits de mutation (5.80%) | 17 400,00 EUR | Droits d'enregistrement + taxe pub. fonciere (ancien) |
| Emoluments du notaire (HT+TVA) | 3 416,89 EUR | Honoraires reglements selon le tarif officiel 2016 (decret) |
| Debours et formalites | 1 200,00 EUR | Frais de cadastre, hypotheque, actes, frais divers |
| Total | 322 016,89 EUR |
Come utilizzare This calculator
Insert purchase price
Indicate the selling price of the property in euros (listed price or negotiated price).
Specify the type of property
Used (> 5 years): notary fees 7-8% (transfer tax at 5.80%). New / VEFA: reduced fees 2-3% (tax at 0.715%). Notary honorariums are the same.
Agency expenses and capital
Specify if agency fees are included in the quoted price and your own equity capital. The simulator calculates the necessary mortgage.
Check total purchase cost
Details include agency fees, transfer tax, notary fees, and living expenses (deburs) - and calculates the total real cost of your purchase.
Suggerimenti
- Negotiating the sale price, reduce transfer tax proportionally - a reduction of €10,000 in the sale price reduces costs by approximately €580.
- For first-time homebuyers, some towns offer transfer tax relief – consult your notary.
- PTZ can finance up to 40% of the purchase price for a new residential property in high-voltage zones for first-time buyers.
- Minimum habitable surface area to be considered a new mobile home (VAT 20%) is 9m² with a minimum ceiling height of 2.20m.
Domande frequenti
Why are notary fees so high for older properties?
The majority of fees (approximately 5.80% of the property price) are actually reverse transfer taxes paid to the department, municipality, and state - not the notary's fees. The notary's fees represent only ~1% of the price.
What are the costs for a new property?
For a new home (less than 5 years old), the stamp duty is reduced to 0.715% of the price. VAT (20%) is included in the selling price by the promoter. The total notary fees are therefore 2-3% compared to 7-8% for the old system.
Are the notary's fees negotiable?
Partially: Since 2016, the notary can grant an 20% discount on fees for transactions above €150,000. However, this discount is at their discretion and does not apply to taxes.
What minimum down payment is recommended?
Banks recommend a down payment covering at least notary fees (7-8% old or 2-3% new) + 10% of the property's price. A down payment of 20-25% of the total price secures the best credit terms.