€325,000 Property Transfer Tax & Mortgage in North Rhine-Westphalia (2026)
Purchasing a €325,000 residential property in North Rhine-Westphalia, Germany incurs €21,125 in Grunderwerbsteuer (Nordrhein-Westfalen: 6.5%) plus €6,500 in notary and land registry fees. With a 20% deposit (€65,000) and a 25-year mortgage at 3.68%, your monthly payment is €1,327/month.
Monthly Mortgage (25Y)
€1,327/mo
Loan: €260,000 @ 3.68%
Property Transfer Tax
€21,125
Grunderwerbsteuer (Nordrhein-Westfalen: 6.5%)
Notary & Registry
€6,500
Total Closing: €27,625
Total Cash Needed
€92,625
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €325,000 |
| Grunderwerbsteuer (Nordrhein-Westfalen: 6.5%) (6.50%) | €21,125 |
| Notary & Land Registry Fees | €6,500 |
| Total Non-Recoverable Closing Costs | €27,625 |
| 20% Down Payment (Deposit) | €65,000 |
| Total Upfront Cash Required at Closing | €92,625 |
| Mortgage Principal Financed (80% LTV) | €260,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €1,326.86 / month |
| Total Interest Over 25 Years | €138,057 |
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