€400,000 Property Transfer Tax & Mortgage in Île-de-France (Paris) (2026)
Purchasing a €400,000 residential property in Île-de-France (Paris), France incurs €23,200 in Frais de Notaire & Droits d'Enregistrement plus €6,800 in notary and land registry fees. With a 20% deposit (€80,000) and a 25-year mortgage at 3.55%, your monthly payment is €1,611/month.
Monthly Mortgage (25Y)
€1,611/mo
Loan: €320,000 @ 3.55%
Property Transfer Tax
€23,200
Frais de Notaire & Droits d'Enregistrement
Notary & Registry
€6,800
Total Closing: €30,000
Total Cash Needed
€110,000
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €400,000 |
| Frais de Notaire & Droits d'Enregistrement (5.80%) | €23,200 |
| Notary & Land Registry Fees | €6,800 |
| Total Non-Recoverable Closing Costs | €30,000 |
| 20% Down Payment (Deposit) | €80,000 |
| Total Upfront Cash Required at Closing | €110,000 |
| Mortgage Principal Financed (80% LTV) | €320,000 |
| Monthly Principal & Interest (25 Years @ 3.55%) | €1,610.59 / month |
| Total Interest Over 25 Years | €163,177 |
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