€625,000 Property Transfer Tax & Mortgage in Utrecht (2026)
Purchasing a €625,000 residential property in Utrecht, Netherlands incurs €12,500 in Overdrachtsbelasting (2% Owner-Occupied) plus €2,800 in notary and land registry fees. With a 20% deposit (€125,000) and a 25-year mortgage at 3.80%, your monthly payment is €2,584/month.
Monthly Mortgage (25Y)
€2,584/mo
Loan: €500,000 @ 3.80%
Property Transfer Tax
€12,500
Overdrachtsbelasting (2% Owner-Occupied)
Notary & Registry
€2,800
Total Closing: €15,300
Total Cash Needed
€140,300
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €625,000 |
| Overdrachtsbelasting (2% Owner-Occupied) (2.00%) | €12,500 |
| Notary & Land Registry Fees | €2,800 |
| Total Non-Recoverable Closing Costs | €15,300 |
| 20% Down Payment (Deposit) | €125,000 |
| Total Upfront Cash Required at Closing | €140,300 |
| Mortgage Principal Financed (80% LTV) | €500,000 |
| Monthly Principal & Interest (25 Years @ 3.80%) | €2,584.28 / month |
| Total Interest Over 25 Years | €275,285 |