€575,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €575,000 residential property in Bavaria, Germany incurs €20,125 in Grunderwerbsteuer (Bayern: 3.5%) plus €11,500 in notary and land registry fees. With a 20% deposit (€115,000) and a 25-year mortgage at 3.68%, your monthly payment is €2,348/month.
Monthly Mortgage (25Y)
€2,348/mo
Loan: €460,000 @ 3.68%
Property Transfer Tax
€20,125
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€11,500
Total Closing: €31,625
Total Cash Needed
€146,625
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €575,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €20,125 |
| Notary & Land Registry Fees | €11,500 |
| Total Non-Recoverable Closing Costs | €31,625 |
| 20% Down Payment (Deposit) | €115,000 |
| Total Upfront Cash Required at Closing | €146,625 |
| Mortgage Principal Financed (80% LTV) | €460,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €2,347.51 / month |
| Total Interest Over 25 Years | €244,254 |