Closing Costs Calculator

About Closing Costs

When buying a property, the purchase price is just part of the total cost. Closing costs are additional expenses that buyers need to pay to complete the property transaction. In Spain, these typically range from 8-12% of the purchase price for resale properties and 10-14% for new properties.

Who Should Use This Calculator?

  • First-time property buyers in Spain
  • International investors planning property purchases
  • Anyone budgeting for a property purchase
  • Real estate professionals helping clients understand costs

Types of Closing Costs

Government Charges

  • Property Transfer Tax (ITP)

    8-10% for resale properties

  • VAT (IVA)

    10% for new properties

Professional Fees

  • Notary Fees

    Approximately 0.5-1% of purchase price

  • Legal Fees

    1-1.5% of purchase price

Comment Utiliser ce Calculateur

1

Enter Property Details

Input the purchase price and select whether it's a new or existing property

2

Specify Location

Choose the property location as tax rates vary by region

3

Indicate Mortgage Requirements

Select if you need a mortgage to include related fees in the calculation

4

Review Results

Get a detailed breakdown of all estimated costs involved in your purchase

Sample Calculation

Example Scenario:

Property Details:

  • Purchase Price: €300,000
  • Type: Existing Property
  • Localisation: Espagne
  • With Mortgage: Yes

Estimated Costs:

  • Transfer Tax: €24,000 (8%)
  • Legal Fees: €3,600 (1.2%)
  • Other Fees: €3,400
  • Total: €31,000 (10.3%)

Important Considerations

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Tax rates and fees can vary significantly between regions and municipalities

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Some fees may be negotiable or vary based on the specific service provider

⚠️

Additional costs might apply for international buyers (e.g., currency exchange fees)

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Always consult with local real estate professionals and lawyers for precise costs

Calculate Your Closing Costs