What will buying property in Spain actually cost you?
Beyond the asking price lies taxes, legal fees, notary costs, and mortgage charges. Enter your details below and get an instant Total Cash Required to Close — tailored to your buyer profile and financing situation.
Free · No registration · Based on 2026 Andalusian regulations
Sample · €1M Resale
Non-EU buyer · 30% down
incl. €300K down payment
Property Details
1.000.000 €
Total Cash Required to Close
399.700 €
300.000 € down payment + 99.700 € closing costs
Cost Breakdown
Transfer Tax (ITP)
One-time at completion
70.000 €
Legal Fees (Abogado)
Due diligence, Arras contract
12.100 €
Notary & Land Registry
Regulated fees — est. 1%
10.000 €
Mortgage Costs
7600 €
Total Closing Costs
99.700 €
Note: As a Non-EU Non-Resident, your ongoing annual Imputed Income Tax rate will be 24%.
Estimates based on 2026 Andalusian regulations. Individual circumstances, lender policies, and municipal variations may affect your final figures. Always consult a qualified Spanish tax advisor before completing a purchase.
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