€625,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €625,000 residential property in Bavaria, Germany incurs €21,875 in Grunderwerbsteuer (Bayern: 3.5%) plus €12,500 in notary and land registry fees. With a 20% deposit (€125,000) and a 25-year mortgage at 3.68%, your monthly payment is €2,552/month.
Monthly Mortgage (25Y)
€2,552/mo
Loan: €500,000 @ 3.68%
Property Transfer Tax
€21,875
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€12,500
Total Closing: €34,375
Total Cash Needed
€159,375
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €625,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €21,875 |
| Notary & Land Registry Fees | €12,500 |
| Total Non-Recoverable Closing Costs | €34,375 |
| 20% Down Payment (Deposit) | €125,000 |
| Total Upfront Cash Required at Closing | €159,375 |
| Mortgage Principal Financed (80% LTV) | €500,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €2,551.65 / month |
| Total Interest Over 25 Years | €265,494 |