€525,000 Property Transfer Tax & Mortgage in Utrecht (2026)
Purchasing a €525,000 residential property in Utrecht, Netherlands incurs €10,500 in Overdrachtsbelasting (2% Owner-Occupied) plus €2,800 in notary and land registry fees. With a 20% deposit (€105,000) and a 25-year mortgage at 3.80%, your monthly payment is €2,171/month.
Monthly Mortgage (25Y)
€2,171/mo
Loan: €420,000 @ 3.80%
Property Transfer Tax
€10,500
Overdrachtsbelasting (2% Owner-Occupied)
Notary & Registry
€2,800
Total Closing: €13,300
Total Cash Needed
€118,300
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €525,000 |
| Overdrachtsbelasting (2% Owner-Occupied) (2.00%) | €10,500 |
| Notary & Land Registry Fees | €2,800 |
| Total Non-Recoverable Closing Costs | €13,300 |
| 20% Down Payment (Deposit) | €105,000 |
| Total Upfront Cash Required at Closing | €118,300 |
| Mortgage Principal Financed (80% LTV) | €420,000 |
| Monthly Principal & Interest (25 Years @ 3.80%) | €2,170.80 / month |
| Total Interest Over 25 Years | €231,239 |