Home Purchase Ancillary Costs Calculator
Calculate all ancillary costs when buying a house. Transfer tax, notary, land registry and broker. With current tax rates per federal state and 2026.
Typical: 3.57% incl. VAT (buyer share)
Cost Breakdown
Real Estate Transfer Tax
Bayern: 3,5%
12.250,00 €
Broker Commission
3,57% inkl. MwSt
12.495,00 €
Notary + Land Registry
ca. 2,0%
7.000,00 €
Purchase Price
350.000,00 €
Total Side Costs
31.745,00 €
ca. 9,1% of purchase price
Total Costs
381.745,00 €
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
What are the ancillary purchase costs for property in Germany?
Ancillary costs include real estate transfer tax (3.5-6.5% depending on the state), notary and land registry costs (about 2%), and broker commission (typically 3.57% including VAT, often shared).
Can I reduce the ancillary purchase costs?
You can buy without a broker, negotiate movable items separately (not subject to transfer tax), or buy in states with lower transfer tax rates. Notary costs are legally fixed and cannot be negotiated.
What is the Home Purchase Ancillary Costs Calculator?
The house purchase ancillary costs calculator computes all incidental costs: transfer tax, notary fees, land register fees and broker commission.
How does the Home Purchase Ancillary Costs Calculator work?
Enter the purchase price and state. The calculator computes each cost item individually and as a total. Ideally, ancillary costs should be funded from equity.
Key Data and Facts
Transfer tax: 3.5-6.5% depending on state. Notary fees: approx. 1.0-1.5%. Land register fees: approx. 0.5%. Broker: legally split 50:50, typically 3.57% each incl. VAT.
Step-by-Step Guide
How to calculate die Hauskauf-Nebenkosten step by step: 1. Kaufpreis enter: Der notariell beurkundete Kaufpreis. Tipp: Bewegliche Gegenstaende (Einbaukueche, Markise) separat im Vertrag ausweisen -- sie reduzieren die Grunderwerbsteuer-Bemessungsgrundlage. 2. Grunderwerbsteuer nach Bundesland: Bayern/Sachsen: 3,5 %. Baden-Wuerttemberg, Niedersachsen, Rheinland-Pfalz: 5,0 %. Hamburg: 5,5 %. Berlin, Hessen: 6,0 %. Brandenburg, NRW, Schleswig-Holstein, Saarland, Thueringen: 6,5 %. 3. Notarkosten: Ca. 1,0-1,5 % des Kaufpreises (Beurkundung, Vollzug, Treuhandtaetigkeit). 4. Grundbuchkosten: Ca. 0,5 % (Eigentumsumschreibung + Grundschuldeintragung). 5. Maklerprovision: Seit 2020 statutory auf 50:50 aufgeteilt. Ueblich: 3,57 % inkl. VAT pro Seite. In manchen Regionen nur 2,38 %. 6. Gesamtnebenkosten: Je nach Bundesland 7,5-15 % des Kaufpreises. Diese sollten aus Eigenkapital finanziert werden.
Calculation Example
Hauskauf 300.000 EUR in Hessen. Grunderwerbsteuer (6 %): 18.000 EUR. Notar (1,2 %): 3.600 EUR. Grundbuch (0,5 %): 1.500 EUR. Makler (3,57 %): 10.710 EUR. Nebenkosten total: 33.810 EUR (11,3 %).
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