How much does buying a home cost on top of the price?

On average 5% to 10% of the price, depending on whether it is a first or second home, whether the seller is a private individual or a company, and the agency fee.

What reliefs are there for a first home?

For a first home you pay reduced rates (registration tax 2% or VAT 4%, substitute tax 0.25%) if you meet the requirements, including residence in the municipality and not owning other suitable properties. Check the details with the notary.

What is the prezzo-valore (price-value) rule?

When buying a home from a private seller as an individual, the registration tax (2% or 9%) can be calculated on the revalued cadastral value instead of the declared price, reducing the tax; mortgage and cadastral taxes stay fixed (€50 each).

Are these amounts final?

No, they are estimates: notary and bank costs vary and tax rules change. Ask the notary for a quote before the deed (rogito).

Victor & Co Real Estate

Costs and taxes for buying a home

Registration tax, mortgage and cadastral taxes, VAT, notary, agency, mortgage tax: find out what you need on top of the price and how much cash you need at signing.

Property price€200,000

Agency fee payable by you3%

Mortgage amount80% · €160,000

Notary and expenses

€

Revalued cadastral value (optional)

€

If you enter it, registration tax is calculated on this value (prezzo-valore).

Total costs

€13,800

6.9% of the price

Registration tax (imposta di registro)	€4,000
Mortgage and cadastral taxes	€100
Agency fee	€6,000
Notary and expenses (estimate)	€2,500
Substitute tax on the mortgage	€400
Arrangement and appraisal (estimate)	€800
Total costs	€13,800

Total cash needed

€53,800

Portion not financed by the mortgage plus costs

Estimates using the general rules for residential purchases (registration tax 2% for a first home and 9% for a second home from a private seller, with a minimum of €1,000; VAT 4% or 10% from a company; substitute tax 0.25% or 2%). Registration tax is calculated on the revalued cadastral value when the prezzo-valore (price-value) rule applies: enter it if you know it. Informational tool: results are estimates and do not constitute an offer, financial advice or credit brokerage. Actual rates, spreads and taxes depend on the bank, the notary and your situation: check them before deciding.

Taxes: from a private seller or a company

From a private seller you pay registration tax (2% or 9%); from a selling company, VAT (4% or 10%) with fixed taxes. The result for the buyer can be very different.

The costs you forget

Notary, appraisal, arrangement fees, any agency fee, insurance, moving and small works: plan for them in your budget.

How to reduce costs

Check the first-home requirements, the prezzo-valore rule and any tax credit if you are selling your previous home. A consultant can help you avoid missing out on reliefs.

Frequently asked questions

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