Help to Buy refund estimate
Help to Buy refund estimate — current inputs
| Input | Current value |
|---|---|
| Contract signing / first drawdown date | 2026-10-07 |
| Full new-home value / approved self-build valuation (€) | 400000 |
| Qualifying mortgage (€) | 320000 |
| Eligible Local Authority contribution only (€) | 0 |
| Eligible four-prior-year Income Tax and DIRT net of refunds (€) | 25000 |
| All buyer, property, lender and Revenue conditions are verified | No |
Your result
Estimated Help To Buy€0.00
- Qualifying Loan To Value Percent
- 80%
Baseline: Model assumptions · selected inputs and rates
Calculation method
Refund is the lowest of the qualifying-date cap, 10% of property value, and eligible Income Tax plus DIRT paid in the four prior years net of refunds. The cap is €30,000 through 6 October 2026 and €35,000 from 7 October 2026 to 31 December 2029. Use the contract signing date for a purchase or first mortgage drawdown date for a self-build. Value must not exceed €500,000 and qualifying finance must reach 70%. USC, PRSI and First Home Scheme equity do not count.
All calculated figures · 4
- Qualifying Date
- 2026-10-07
- Scheme Cap
- €35,000.00
- Potential Before Eligibility
- €25,000.00
- Modelled Conditions Met
- No
Assumptions and sources
- Qualifying date: 2026-10-07. Use the purchase contract signing date, or first mortgage drawdown for a self-build, not the application date. Refund is the lowest of €35,000, 10% of value, or eligible Income Tax and DIRT paid in the four years before application, net of refunds. USC and PRSI are excluded. The €35,000 cap applies from 7 October 2026 through 31 December 2029; enhanced dates through 6 October 2026 use €30,000. All buyers must be eligible first-time buyers; new qualifying main home/approved self-build value cannot exceed €500,000. Qualifying finance must reach 70%; eligible Local Authority Affordable Purchase contributions can count from 11 October 2023, but First Home Scheme equity cannot. Revenue approval and residence/clawback conditions remain.
- Revenue operational refund guidance checked 7 October 2026. Supported qualifying dates: 23 July 2020–31 December 2029. Confirm first-time-buyer, qualifying new home/self-build, lender, Revenue approval, residence and clawback conditions. This is not a 2027-only announcement estimate.
Sources: Official rules and guidance, Refund limits and eligible tax years
Powered by Count.ie
Your inputs are processed on your device and are not sent to analytics or advertisers.