€850,000 Property Transfer Tax & Mortgage in Lombardy (Milan) (2026)
Purchasing a €850,000 residential property in Lombardy (Milan), Italy incurs €38,250 in Imposta di Registro, Ipotecaria e Catastale plus €3,500 in notary and land registry fees. With a 20% deposit (€170,000) and a 25-year mortgage at 3.75%, your monthly payment is €3,496/month.
Monthly Mortgage (25Y)
€3,496/mo
Loan: €680,000 @ 3.75%
Property Transfer Tax
€38,250
Imposta di Registro, Ipotecaria e Catastale
Notary & Registry
€3,500
Total Closing: €41,750
Total Cash Needed
€211,750
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €850,000 |
| Imposta di Registro, Ipotecaria e Catastale (4.50%) | €38,250 |
| Notary & Land Registry Fees | €3,500 |
| Total Non-Recoverable Closing Costs | €41,750 |
| 20% Down Payment (Deposit) | €170,000 |
| Total Upfront Cash Required at Closing | €211,750 |
| Mortgage Principal Financed (80% LTV) | €680,000 |
| Monthly Principal & Interest (25 Years @ 3.75%) | €3,496.09 / month |
| Total Interest Over 25 Years | €368,828 |