How much down payment do you need in Germany?
This calculator combines your down payment with property transfer tax, notary and land-register costs, possible brokerage, valuation expenses and an emergency reserve. These acquisition costs are normally planned separately from the mortgage.
Equity and loan-to-value
A larger equity contribution reduces the mortgage and loan-to-value ratio. Lenders may assess the property using their own lending value, so the final ratio and pricing can differ from this purchase-price estimate.
German acquisition costs
Property transfer tax varies by federal state. Notary, land-register and brokerage costs depend on the transaction. Replace every default with a current local estimate before using the result as a savings target.
Plan your savings timeline
The calculator subtracts entered savings, gifts and other available funds from the complete cash target, then divides any shortfall by monthly savings. It does not include investment returns or changing property prices.