Property · Calculator companion · By K Imports
Home purchase cash budget: practical guide
This guide explains how to use the Count.ie home purchase cash budget. Add the deposit, purchase charges and move-in costs. Follow the inputs, method and worked example below, then compare your own scenario.
Guide written .
Open the Home purchase cash budget calculatorWhat to prepare
- Collect the purchase, loan, rental or project figures from dated documents.
- Distinguish purchase price, borrowing, one-off acquisition costs and recurring ownership costs.
- Check the property's use, tax year and any scheme eligibility against official guidance.
Understand the inputs
The calculation method
Deposit percentage of price plus all entered transaction and setup amounts.
Worked example
Illustrative inputs and their result.
Example inputs
- Home price (€)
- 350000
- Deposit (%)
- 10
- Actual stamp duty (€)
- 3500
- Legal fees (€)
- 2500
- Survey (€)
- 600
- Valuation (€)
- 180
- Moving cost (€)
- 700
- Initial furnishing (€)
- 4000
- Cash available (€)
- 45000
Calculated example result
- Cash Needed
- €46,480.00
- Cash Shortfall
- €1,480.00
How to interpret the result
A loan payment, gross yield or purchase budget describes only part of ownership. Read exclusions carefully: affordability, lender approval, vacancy, repairs and transaction eligibility may not be fully modelled.
Compare like-for-like properties or financing scenarios, with the same term and cost basis. Where relevant, test a higher interest rate, a vacancy period or a larger maintenance allowance.
Common mistakes to avoid
- Do not compare gross rental yield with net cash flow as if they were the same measure.
- Do not assume a favourable tax result means the property or letting qualifies for a scheme.
- Keep refundable deposits and recurring costs separate from permanent acquisition costs.
Assumptions and sources
Use actual stamp duty from the Irish stamp-duty calculator. Lender approval, interest and schemes are separate.
If your case falls outside this scope, use a more suitable calculator or contact us about an unclear method.