€625,000 Property Transfer Tax & Mortgage in North Rhine-Westphalia (2026)
Purchasing a €625,000 residential property in North Rhine-Westphalia, Germany incurs €40,625 in Grunderwerbsteuer (Nordrhein-Westfalen: 6.5%) 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
€40,625
Grunderwerbsteuer (Nordrhein-Westfalen: 6.5%)
Notary & Registry
€12,500
Total Closing: €53,125
Total Cash Needed
€178,125
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €625,000 |
| Grunderwerbsteuer (Nordrhein-Westfalen: 6.5%) (6.50%) | €40,625 |
| Notary & Land Registry Fees | €12,500 |
| Total Non-Recoverable Closing Costs | €53,125 |
| 20% Down Payment (Deposit) | €125,000 |
| Total Upfront Cash Required at Closing | €178,125 |
| 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 |
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