€650,000 Property Transfer Tax & Mortgage in Tuscany (Florence) (2026)
Purchasing a €650,000 residential property in Tuscany (Florence), Italy incurs €29,250 in Imposta di Registro, Ipotecaria e Catastale plus €3,500 in notary and land registry fees. With a 20% deposit (€130,000) and a 25-year mortgage at 3.75%, your monthly payment is €2,673/month.
Monthly Mortgage (25Y)
€2,673/mo
Loan: €520,000 @ 3.75%
Property Transfer Tax
€29,250
Imposta di Registro, Ipotecaria e Catastale
Notary & Registry
€3,500
Total Closing: €32,750
Total Cash Needed
€162,750
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €650,000 |
| Imposta di Registro, Ipotecaria e Catastale (4.50%) | €29,250 |
| Notary & Land Registry Fees | €3,500 |
| Total Non-Recoverable Closing Costs | €32,750 |
| 20% Down Payment (Deposit) | €130,000 |
| Total Upfront Cash Required at Closing | €162,750 |
| Mortgage Principal Financed (80% LTV) | €520,000 |
| Monthly Principal & Interest (25 Years @ 3.75%) | €2,673.48 / month |
| Total Interest Over 25 Years | €282,045 |
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