€175,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €175,000 residential property in Bavaria, Germany incurs €6,125 in Grunderwerbsteuer (Bayern: 3.5%) plus €3,500 in notary and land registry fees. With a 20% deposit (€35,000) and a 25-year mortgage at 3.68%, your monthly payment is €714/month.
Monthly Mortgage (25Y)
€714/mo
Loan: €140,000 @ 3.68%
Property Transfer Tax
€6,125
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€3,500
Total Closing: €9,625
Total Cash Needed
€44,625
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €175,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €6,125 |
| Notary & Land Registry Fees | €3,500 |
| Total Non-Recoverable Closing Costs | €9,625 |
| 20% Down Payment (Deposit) | €35,000 |
| Total Upfront Cash Required at Closing | €44,625 |
| Mortgage Principal Financed (80% LTV) | €140,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €714.46 / month |
| Total Interest Over 25 Years | €74,338 |