Checklist of Costs - Dutch Home Buying

A detailed breakdown of closing costs (Kosten Koper) in the Netherlands. Notary, advisor, valuation, and more.

Checklist of Costs

Total cash required is a combination of your down payment and closing fees. We use market averages for fees that vary by provider.

Minimum Cash Needed

Even with 100% financing and 0% transfer tax, you'll need approximately €4,000 - €6,000 in your own savings to cover mandatory closing costs (Notary, Advisor, Valuation).

Open Estimator

Breakdown of Costs

Total Estimated Closing Costs

Est. Tax Refund

Net Costs

Tax Deductible

Partially Deductible

Exempt (Starter Exemption)

Excluding your down payment (savings used for the property value itself).

Security Deposit (10%)

A 10% deposit is mandatory. If you don't use cash, a bank guarantee costs ~1% of the deposit amount.

I have the cash

I need a Bank Guarantee

Bank Guarantee Fee

Your Savings

Total Cash Required

Still to save

Ready for closing!

Buyer Age

I am fluent in Dutch

A mandatory certified interpreter (~€500) is required at the Notary if you are not fluent in Dutch. See [Notary Interpreter Requirements](/kb/notary-interpreter-requirements).

Transfer Tax

Overdrachtsbelasting

2% or 0%

0% for first-time buyers under 35, within property value limits.

Notary Fees

Notaris

€1,200 - €2,000

For drawing up the delivery deed and mortgage deed.

Mortgage Advisor

Hypotheekadviseur

€2,000 - €3,500

Professional fee for arranging your mortgage.

Valuation

Taxatie

€600 - €900

Official appraisal required by the bank.

I want a Technical Inspection

Bouwkundige keuring

€400 - €600

Optional but highly recommended for older homes.

Interpreter

Tolk

€300 - €500

Mandatory at the notary if you do not speak fluent Dutch.

Bankgarantie

1% of deposit

Fee for the bank to guarantee your 10% security deposit.

NHG Fee (Borgtocht)

Borgtocht

0.4% of loan

One-time fee to secure the National Mortgage Guarantee (2026 rate).

Deed Translation

Vertaling akten

~€500

Written translation of legal documents required by most lenders for non-Dutch speakers.