€1,100,000 Property Transfer Tax & Mortgage in Occitanie (Toulouse & Montpellier) (2026)
Purchasing a €1,100,000 residential property in Occitanie (Toulouse & Montpellier), France incurs €63,800 in Frais de Notaire & Droits d'Enregistrement plus €18,700 in notary and land registry fees. With a 20% deposit (€220,000) and a 25-year mortgage at 3.55%, your monthly payment is €4,429/month.
Monthly Mortgage (25Y)
€4,429/mo
Loan: €880,000 @ 3.55%
Property Transfer Tax
€63,800
Frais de Notaire & Droits d'Enregistrement
Notary & Registry
€18,700
Total Closing: €82,500
Total Cash Needed
€302,500
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €1,100,000 |
| Frais de Notaire & Droits d'Enregistrement (5.80%) | €63,800 |
| Notary & Land Registry Fees | €18,700 |
| Total Non-Recoverable Closing Costs | €82,500 |
| 20% Down Payment (Deposit) | €220,000 |
| Total Upfront Cash Required at Closing | €302,500 |
| Mortgage Principal Financed (80% LTV) | €880,000 |
| Monthly Principal & Interest (25 Years @ 3.55%) | €4,429.12 / month |
| Total Interest Over 25 Years | €448,736 |