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Home purchase cost calculator (Spain)

The Idealista price is not what you pay at the notary. Resale usually means ITP that varies by CCAA; obra nueva usually means IVA; both add notary, registry, and often agency. Use this to estimate all-in cash need beyond the mortgage principal. Orientation — confirm rates with your notary and gestoría.

How to use

  1. Enter the agreed purchase price.
  2. Choose resale (ITP %) or new build (IVA %) for your case.
  3. Add estimated notary, registry, and agency fees (edit defaults).
  4. Read extras total and all-in price — then compare with your entrada + savings.

What the tool does

Sums purchase tax orientation (ITP or IVA) with editable closing fees to show extras and all-in cost.

What the tool does not do

Does not model AJD on the mortgage deed, age exemptions, or official tax filings. ITP bands differ by CCAA — verify locally.

Tips

  • Ask which CCAA ITP tramo applies before you lock savings.
  • Pair with the mortgage calculator — cuota ≠ cash at signing.
  • Agency fees are often negotiable; notary/registry less so.

FAQ

ITP or IVA — which one?
Resale homes typically use ITP (regional). New builds (obra nueva) typically use IVA. Your notary confirms which regime applies.
Does this include AJD on the mortgage?
No. AJD on the loan deed is separate and region-dependent — ask the bank/notary for that line.
Why do online estimates differ?
ITP rates and exemptions vary by comunidad and buyer profile. Treat any single % as a starting point.
Is this an official tax calculator?
No — orientation for budgeting. Filing and liquidation go through official channels / gestoría.
Is data uploaded?
No — local only.

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