Calculate buyer's costs: which amounts should I include?
What would you like help with?
Detailed explanation, checklist and sources
Build your purchase budget from actual contract terms and quotations. One fixed percentage of the purchase price will not suit everyone. Show which amounts are confirmed and which are missing; adding costs does not determine tax liability or mortgage approval.
On this page
1. Read the k.k. or v.o.n. terms
Existing properties often use kosten koper (k.k.); new builds often use vrij op naam (v.o.n.). Check who bears transfer costs under your contract. V.o.n. does not mean mortgage advice, a mortgage deed or every other expense is free. Start with the actual agreed terms.
2. Separate cost categories
Separate transfer and tax, financing, other purchase services, and moving or furnishing. Where applicable include transfer deed, Kadaster, mortgage deed, advice, valuation, agent and survey. Include a charge only if it applies to your purchase. Keep recurring monthly costs separate rather than losing them within a one-off total.
3. Check transfer tax for each buyer
Use current Belastingdienst information for the transfer date and your circumstances. Owner occupation, property type and a possible first-buyer exemption can matter. Joint purchasers may require separate assessment. Ask the notary to confirm the applicable outcome; do not enter zero merely because you expect an exemption.
4. Compare complete quotations
For each quotation ask what includes VAT, registration, searches and potential surcharges. Check who pays and whether advice and arrangement fees already share one total. Flag missing or indicative figures. A low starting price is not a complete final account; compare the same work and circumstances.
5. Add without double counting
Add distinct confirmed items only and list unknown costs separately. Fictional example: €3,000 confirmed transfer costs, €2,500 financing costs and €500 survey total €6,000 for those three categories only. This is not a standard tariff. Compare required own funds with the financing proposal and retain a buffer; possible later tax relief is not money available now.
Rijksoverheid · Aankoop- en financieringskosten ↗
6. Check payment timing and ongoing costs
Check the completion account and payment dates before transfer. Query figures that do not match quotations. Also budget for maintenance, insurance, taxes and any ground rent or owners' association charges. New builds may involve staged payments and construction interest. Keep quotations and preparation locally. Our help-request route for a legal costs dispute does not decide credit or tax.
Rijksoverheid · Aankoop- en financieringskosten ↗
Can I always use a fixed percentage for buyer's costs?
No. Tax position, contract, mortgage and chosen services differ. Use actual quotations and the assessed tax item. Display unknown costs rather than counting them as zero.
Documents to prepare
Prepare your next stepFill in and save · Word
Tick what you have checked or collected. Note what is missing and take your overview to a meeting.
Unless saved in My overview: Your entries stay only on this screen. Download before leaving; closing or reloading clears them. Do not enter identity numbers, passwords or unnecessary personal details.
What do you still need for your next step?
Item 1 / 6 · Where do you stand with this item?
Purchase contract, k.k./v.o.n. and cost allocation
This overview follows your own answers. It does not assess your rights or guarantee that your file is complete.
Your choices stay here. Use the buttons below if you want to save or download.
View all details, notes and timeline
Your timeline and evidence
List events and contacts. Note where you keep the evidence; no upload is needed.
What goes in my timeline?
Record what happened, when, the response and where to find the letter, message or photo. Mark uncertain dates.
Is my evidence sent?
No. You only note where it is kept. No files are uploaded or sent automatically.
How do I save my timeline?
Your entries are not saved automatically. Choose Save and continue later to store this preparation, including your timeline, in My overview. Wait for confirmation and save new changes again. You can also download a Word file without an account.
Up to 20 events. Choose a different position for an event to change the order.
0 / 6 · Checked or collected
For each event, note the date, what happened and where the evidence is kept. Example: 3 October — letter received — correspondence folder.
Describe the solution you would like, such as an explanation of a deduction and repayment of the outstanding amount.
For example: which document is missing, who can provide it and what should I do first?
Record the date and its source. If unknown, note this and check promptly. This tool does not calculate or monitor deadlines.
After your conversation
These are your own notes. Confirm agreements with the other person; these notes do not prove their agreement.
This is your preparation, not a submitted request, objection or legally reviewed document. A tick records only your own progress. Check the procedure and deadline in the original letter.
Save and continue later
Clear entries
Download anything you want to keep first. Clearing cannot be undone.
- Purchase contract, k.k./v.o.n. and cost allocation
- Confirmed transfer-tax position for each buyer
- Quotations including VAT, registration and extras
- Separate purchase, financing and moving costs
- Unknown figures, own funds and buffer
- Completion account, due dates and ongoing costs
Contact with a lawyer
You can use the chat and information without a phone number. A contact request requires a phone number, a verified email address and your wish for telephone contact. Our team assesses which partner fits your question. Data is shared only under the stated consent procedure. A partner or engagement is not guaranteed.
View the current application processSources
Need personal assistance? Request a lawyer through our chat. We explain the next step; submitting a request does not engage a lawyer. The links below support the legal information.
Rijksoverheid · Aankoop- en financieringskosten ↗KNB · Kosten koper ↗KNB · Offertes en specifieke notariskosten ↗Belastingdienst · Actuele overdrachtsbelastingtarieven ↗KNB · Nieuwbouwwoning kopen ↗Rijksoverheid · Maximale hypotheek ↗Sources may be in Dutch. General information about Dutch law, not individual legal advice.