€850,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €850,000 residential property in Bavaria, Germany incurs €29,750 in Grunderwerbsteuer (Bayern: 3.5%) plus €17,000 in notary and land registry fees. With a 20% deposit (€170,000) and a 25-year mortgage at 3.68%, your monthly payment is €3,470/month.
Monthly Mortgage (25Y)
€3,470/mo
Loan: €680,000 @ 3.68%
Property Transfer Tax
€29,750
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€17,000
Total Closing: €46,750
Total Cash Needed
€216,750
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €850,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €29,750 |
| Notary & Land Registry Fees | €17,000 |
| Total Non-Recoverable Closing Costs | €46,750 |
| 20% Down Payment (Deposit) | €170,000 |
| Total Upfront Cash Required at Closing | €216,750 |
| Mortgage Principal Financed (80% LTV) | €680,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €3,470.24 / month |
| Total Interest Over 25 Years | €361,071 |