01
ITP or VAT+AJD
Resale: regional ITP. New build: 10% VAT + regional stamp duty. Rates reviewed 2026-11-04.
Tool
Purchase costs: tax and closing fees
Pick price, autonomous community and new vs resale. You get ITP or VAT+AJD plus indicative notary, registry, admin and valuation. Not a tax assessment — it shows the cash you need beyond the deposit.
Tax in this region
€16,800
ITP 6.00 % · Madrid
Indicative only. Not a tax assessment or a binding offer.
Result
Total costs
€18,650
Madrid · Resale
Breakdown
Tax €16,800Fees €1,850
- Tax (ITP 6.00 %)
- €16,800
- Notary
- €600
- Land registry
- €400
- Admin fees
- €400
- Valuation
- €450
Indicative only. Excludes regional reliefs and cadastral reference value. Final figures come from the tax office and your notary.
Method
What sits in the total
We separate transfer tax (or VAT+stamp duty on new builds) from closing costs. Regional rates are general indicative figures; progressive scales use a typical mid-band home.
- 02
Closing fees
Notary and registry with floor amounts; admin and valuation at typical mid-market fixed figures.
- 03
Cash needed
Tax + fees. That is the liquidity you need on top of the price (or on top of the deposit if you mortgage).
Worked example
Resale home in Madrid at €280,000. Indicative 6% ITP plus typical closing fees.
- Total costs
- €18,650
- ITP
- €16,800
- Rate
- 6.00 %
- Closing fees
- €1,850
FAQ costs
Tax and the fine print. Straight answers.
What the calculator includes, what it leaves out, and why regions differ so much.
No. Each autonomous community sets its rate (sometimes progressive). We use the general indicative rate. Reliefs can lower it — we review that on your case.
Next step
Align deposit and costs. Before you commit.
If tax eats your savings, the deal won’t close even if the payment “works”. We check your region, LTV and real bank offers.
How much can I borrow →Madrid · Zaragoza · Valencia · Palma