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What additional costs will I incur when buying a house?

When buying a house, you will have to pay additional costs besides the actual purchase price: the so-called ancillary costs. So that you don't make the same mistake as many other buyers and underestimate the ancillary purchase costs, we summarize for you in this article which ancillary costs you have to expect in addition to which amount when buying a house.

Welche Nebenkosten kommen beim Hauskauf auf mich zu?
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Getting an overview of the expected costs is a fundamental step when buying a house. By taking into account all additional costs in the applicable amount when buying and financing, you will prevent expensive mistakes.

Your optimal consultation

The FIBA ImmoHyp GmbH team will be happy to help you start your next real estate project well informed and with the right financing.

Sabine Krauss
Finance-Expert of FIBA ImmoHyp

How high are the additional costs when buying a house?

It is not possible to predict exactly what ancillary costs will be incurred when buying a house. This is because the costs are always individual and depend on the purchase price, the condition of the property and the particular state in which the purchase was made.

However, some costs are fixed, such as the notary's fee, which is usually around 1.5 percent of the purchase price. Land registry costs (about 0.5 percent of the purchase price) and land transfer tax (between 3.5 and 6.5 percent of the purchase price, depending on the federal state) are also mandatory in all cases.

You can expect the following costs:

  • Notary's Fee
  • Land transfer tax
  • Land register costs

Other costs such as the broker's commission, on the other hand, are only incurred under certain circumstances and also vary greatly in amount. The broker's fee is 5.59 percent in Bremen, Hesse and Mecklenburg-Western Pomerania, 6.25 percent in Hamburg and 7.14 percent of the purchase price plus the statutory value-added tax of 19 percent in the remaining federal states. The costs for this are shared equally by the buyer and the seller.

The costs of a possible refurbishment, modernization or renovation cannot be calculated as a lump sum either. They depend on the condition of the property and your personal wishes. The financing costs, in turn, depend on the type of loan selected and its terms.

So, depending on the initial situation, there will be additional costs:

  • Brokerage fee
  • refurbishment costs
  • modernization costs
  • Renovation costs
  • Costs for conversion and extension
  • Costs for equipment and furniture
  • Costs for relocation
  • Costs for real estate appraisal
  • Costs for planting the garden
  • Additional financing costs

Use the ancillary cost calculator

Depending on the initial situation, the incidental costs of buying a house can quickly amount to 10 to 20 percent of the actual purchase price. If you don't want to leave it at such a rough estimate, use our ancillary cost calculator.

The easy-to-use online tool calculates the notary and land registry fees with just a few clicks. To get an overview of all other cost items, a personal meeting with one of our financing advisors will help you.

Based on the ancillary costs, our expert can also tell you how much equity you should best bring into the financing of your home purchase. If you wish, he can also advise you on real estate financing and compare the offers of our more than 400 banking partners. With such good advice and support, you will not miss any cost item or important detail when buying a house or financing.


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Die FIBA ImmoHyp GmbH besteht seit dem Jahr 2000.

Wir ermöglichen unseren Kunden Ihre Eigenheime zu den besten Konditionen zu finanzieren. Eine kompetente und persönliche Beratung steht dabei immer in Vordergrund.


FIBA ImmoHyp GmbH
Kleinoberfeld 1
76135 Karlsruhe

+49 (0) 7216276710

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