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Calculate here how much you’ll pay on average for expenses and taxes associated with buying a home in Spain, whether it’s a resale or new build, and depending on the region where the property is located. You’ll be able to see how much savings you’ll need for the down payment and the closing costs and taxes based on the property’s price.

Simulator for the cost of buying a second-hand house in Spain

If the property you are going to buy is second-hand, use this calculator.

Calculator for expenses and taxes when buying a new-build home in Spain

If you’re buying a new-build property, use this calculator.

How to use the home buying expense calculator?

Fotocasa Life’s calculators are very easy to use. Simply enter:

  • The cost of the house you want to buy
  • The Autonomous Community where it’s located

With this information, we can calculate all the expenses and taxes you’ll need to consider if you’re thinking of buying a house.

You’ll instantly know, based on the cost of your future home, how much savings you’ll need to cover the down payment and the various taxes involved in buying a new or resale home.

What’s the point of simulating home buying expenses in 2025?

Generally, you should have 20% of the price of the property you want to buy set aside for the down payment, since mortgages typically only allow you to borrow up to 80% of the property value.

However, you should also have another portion saved to cover expenses and taxes related to the purchase. This portion represents between 10% and 12% of the property price and can vary depending on the property value, the type of property, and the  region where the house is located.

With this calculator, you can find out how much money you should have saved, depending on the price of your house and its location.

Other expenses to consider when buying a house

In addition to the down payment and property taxes, there are other expenses to consider. These will vary greatly depending on the mortgage offers you can obtain and the municipality where the property is located. These are some other expenses you should factor in:

  • Mortgage origination fee
  • Mortgage processing fee
  • Life and home insurance
  • Costs of bank-related products (such as a checking account or credit card)
  • Real estate agency fees
  • Municipal taxes