€1,300,000 Property Transfer Tax & Mortgage in Lazio (Rome) (2026)
Purchasing a €1,300,000 residential property in Lazio (Rome), Italy incurs €62,400 in Imposta di Registro, Ipotecaria e Catastale plus €3,500 in notary and land registry fees. With a 20% deposit (€260,000) and a 25-year mortgage at 3.75%, your monthly payment is €5,347/month.
Monthly Mortgage (25Y)
€5,347/mo
Loan: €1,040,000 @ 3.75%
Property Transfer Tax
€62,400
Imposta di Registro, Ipotecaria e Catastale
Notary & Registry
€3,500
Total Closing: €65,900
Total Cash Needed
€325,900
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €1,300,000 |
| Imposta di Registro, Ipotecaria e Catastale (4.80%) | €62,400 |
| Notary & Land Registry Fees | €3,500 |
| Total Non-Recoverable Closing Costs | €65,900 |
| 20% Down Payment (Deposit) | €260,000 |
| Total Upfront Cash Required at Closing | €325,900 |
| Mortgage Principal Financed (80% LTV) | €1,040,000 |
| Monthly Principal & Interest (25 Years @ 3.75%) | €5,346.96 / month |
| Total Interest Over 25 Years | €564,089 |