€9,000
Netherlands · Day-one cash
Stamp duty and transfer tax besides the deposit
Transfer tax: 2% own home, 0% starters, 8% otherwise. Cash due before completion, separate from the monthly payment.
Example with the default inputs. Change any field to recalculate.
€9,000 on top of the deposit
Deposit €45,000 · cash to close €54,000.
€45,000
€54,000
Breakdown
| Transfer tax | €9,000 |
What this includes
2026 rates: 2% for your own home, 0% for starters aged 18–34 buying their own home up to €555,000, and 8% if you will not live in it. Notary and valuation are extra.
How we calculate
Transfer tax (overdrachtsbelasting) 2026: 2% if you will live in the home; 0% for a starter aged 18 to 34 buying a home to live in, if the value is not above €555,000 (above that the full 2% applies); 8% for a home you will not live in. The tax is rounded down to whole euros. Notary, valuation and advice costs are extra and not included.
Official sources
- Dutch Tax Administration (Belastingdienst) — transfer tax rates (in Dutch) (2026)
- Government of the Netherlands — starter exemption from transfer tax (in Dutch) (2026: €555,000)
- Royal Dutch Association of Civil-law Notaries — transfer tax rounded down to whole euros (in Dutch) (from 1 March 2023)
Rules checked against these sources on 24–25 September 2026.