€400,000 Property Transfer Tax & Mortgage in North Holland (Amsterdam) (2026)
Purchasing a €400,000 residential property in North Holland (Amsterdam), Netherlands incurs €8,000 in Overdrachtsbelasting (2% Owner-Occupied) plus €2,800 in notary and land registry fees. With a 20% deposit (€80,000) and a 25-year mortgage at 3.80%, your monthly payment is €1,654/month.
Monthly Mortgage (25Y)
€1,654/mo
Loan: €320,000 @ 3.80%
Property Transfer Tax
€8,000
Overdrachtsbelasting (2% Owner-Occupied)
Notary & Registry
€2,800
Total Closing: €10,800
Total Cash Needed
€90,800
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €400,000 |
| Overdrachtsbelasting (2% Owner-Occupied) (2.00%) | €8,000 |
| Notary & Land Registry Fees | €2,800 |
| Total Non-Recoverable Closing Costs | €10,800 |
| 20% Down Payment (Deposit) | €80,000 |
| Total Upfront Cash Required at Closing | €90,800 |
| Mortgage Principal Financed (80% LTV) | €320,000 |
| Monthly Principal & Interest (25 Years @ 3.80%) | €1,653.94 / month |
| Total Interest Over 25 Years | €176,182 |
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