€475,000 Property Transfer Tax & Mortgage in Utrecht (2026)
Purchasing a €475,000 residential property in Utrecht, Netherlands incurs €9,500 in Overdrachtsbelasting (2% Owner-Occupied) plus €2,800 in notary and land registry fees. With a 20% deposit (€95,000) and a 25-year mortgage at 3.80%, your monthly payment is €1,964/month.
Monthly Mortgage (25Y)
€1,964/mo
Loan: €380,000 @ 3.80%
Property Transfer Tax
€9,500
Overdrachtsbelasting (2% Owner-Occupied)
Notary & Registry
€2,800
Total Closing: €12,300
Total Cash Needed
€107,300
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €475,000 |
| Overdrachtsbelasting (2% Owner-Occupied) (2.00%) | €9,500 |
| Notary & Land Registry Fees | €2,800 |
| Total Non-Recoverable Closing Costs | €12,300 |
| 20% Down Payment (Deposit) | €95,000 |
| Total Upfront Cash Required at Closing | €107,300 |
| Mortgage Principal Financed (80% LTV) | €380,000 |
| Monthly Principal & Interest (25 Years @ 3.80%) | €1,964.05 / month |
| Total Interest Over 25 Years | €209,216 |