€375,000 Property Transfer Tax & Mortgage in North Rhine-Westphalia (2026)
Purchasing a €375,000 residential property in North Rhine-Westphalia, Germany incurs €24,375 in Grunderwerbsteuer (Nordrhein-Westfalen: 6.5%) plus €7,500 in notary and land registry fees. With a 20% deposit (€75,000) and a 25-year mortgage at 3.68%, your monthly payment is €1,531/month.
Monthly Mortgage (25Y)
€1,531/mo
Loan: €300,000 @ 3.68%
Property Transfer Tax
€24,375
Grunderwerbsteuer (Nordrhein-Westfalen: 6.5%)
Notary & Registry
€7,500
Total Closing: €31,875
Total Cash Needed
€106,875
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €375,000 |
| Grunderwerbsteuer (Nordrhein-Westfalen: 6.5%) (6.50%) | €24,375 |
| Notary & Land Registry Fees | €7,500 |
| Total Non-Recoverable Closing Costs | €31,875 |
| 20% Down Payment (Deposit) | €75,000 |
| Total Upfront Cash Required at Closing | €106,875 |
| Mortgage Principal Financed (80% LTV) | €300,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €1,530.99 / month |
| Total Interest Over 25 Years | €159,296 |
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