Property
Home purchase cash budget Calculator
Add the deposit, purchase charges and move-in costs. This free home purchase cash budget calculator shows the calculation and its assumptions so you can compare your own figures.
Calculated on your device
Your results
Cash Needed€46,480.00
Add the deposit, purchase charges and move-in costs.
Cash Shortfall€1,480.00
Calculated outcomes
- Mortgage Principal
- €315,000.00
- Transaction And Setup Costs
- €11,480.00
- Cash Remaining
- -€1,480.00
Assumptions and estimates
- Enter actual quotes and stamp duty from the separate Irish stamp-duty tool. Lender approval, interest, ongoing costs, contingency and government scheme eligibility are separate.
- Method: Deposit percentage of price plus all entered transaction and setup amounts.
- Use actual stamp duty from the Irish stamp-duty calculator. Lender approval, interest and schemes are separate.
Useful next steps
- Lending limits are a guide only. Contact a lender or mortgage broker for an assessment before committing to a purchase.
- Use Compare options to test an alternative side by side.
- Copy, print or download a record of this calculation when you need one.
Reports open your email app addressed to s@s1.ie with the public page address only. Your inputs are never added.
How the home purchase cash budget calculation works
Deposit percentage of price plus all entered transaction and setup amounts.
Use actual stamp duty from the Irish stamp-duty calculator. Lender approval, interest and schemes are separate.
Using this calculator
- Enter your own figures in the labelled inputs. Keep the currencies, units and time periods consistent.
- Choose any applicable rate profile, pattern or assumption shown for this tool. Open additional inputs when relevant.
- Review cash needed and cash shortfall, then read the stated assumptions and eligibility conditions before using the result.
Worked example
This is a static example using illustrative inputs, not facts about you or today’s date. The displayed eligibility selections and assumptions apply only to this example.
See 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
- Cash Needed
- €46,480.00
- Cash Shortfall
- €1,480.00
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