Home Buying Cost Calculator
Estimate the complete upfront cost of buying a home, including your down payment, stamp duty, registration, GST, brokerage, legal fees, home-loan processing charges and other purchase expenses.
Property & Purchase Details
Enter the combined applicable percentage. Rates vary by state, document and transaction.
Use 0% for transactions where GST is not applicable. For eligible under-construction residential property, enter the applicable GST rate.
Applied to the home loan amount, not the property value.
Estimated Total Cost
Property Value₹50,00,000
Down Payment₹10,00,000
Home Loan₹40,00,000
Stamp + Registration₹5,50,000
GST₹0
Brokerage₹50,000
Legal / Documentation₹25,000
Loan Processing Fee₹20,000
Other Purchase Costs₹50,000
Total Upfront Cash Required₹17,45,000
Total Acquisition Cost₹57,45,000
Extra Costs % of Property14.90%
Property Value vs Additional Buying Costs
Property ValueAdditional Costs
| Cost Component | Amount |
|---|---|
| Down payment | |
| Stamp duty + registration | |
| GST | |
| Brokerage | |
| Legal / documentation | |
| Loan processing fee | |
| Other purchase costs | |
| Total upfront cash required |
The home loan normally finances the approved loan amount, not every transaction cost. Stamp duty, registration, GST, brokerage, legal fees, processing fees and other costs may need to be paid separately from your own funds.
Check Your Loan Options
Where Your Home Buying Money Goes
| Expense | How Calculated | Estimated Amount |
|---|
Important: This is a planning calculator. Actual costs depend on your state, property type, transaction structure, lender, applicable taxes and government rules. GST is not applicable to every property purchase. For under-construction residential property, the applicable GST treatment depends on the project and statutory conditions.