€400,000 Property Transfer Tax & Mortgage in Lazio (Rome) (2026)
Purchasing a €400,000 residential property in Lazio (Rome), Italy incurs €19,200 in Imposta di Registro, Ipotecaria e Catastale plus €3,500 in notary and land registry fees. With a 20% deposit (€80,000) and a 25-year mortgage at 3.75%, your monthly payment is €1,645/month.
Monthly Mortgage (25Y)
€1,645/mo
Loan: €320,000 @ 3.75%
Property Transfer Tax
€19,200
Imposta di Registro, Ipotecaria e Catastale
Notary & Registry
€3,500
Total Closing: €22,700
Total Cash Needed
€102,700
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €400,000 |
| Imposta di Registro, Ipotecaria e Catastale (4.80%) | €19,200 |
| Notary & Land Registry Fees | €3,500 |
| Total Non-Recoverable Closing Costs | €22,700 |
| 20% Down Payment (Deposit) | €80,000 |
| Total Upfront Cash Required at Closing | €102,700 |
| Mortgage Principal Financed (80% LTV) | €320,000 |
| Monthly Principal & Interest (25 Years @ 3.75%) | €1,645.22 / month |
| Total Interest Over 25 Years | €173,566 |