Cost of buying a property
Enter the value, the down payment and the percentages to see the extra costs and the cash needed.
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Cash needed upfront
R$124,500.00
- Costs beyond the price
- R$24,500.00
- Amount financed
- R$400,000.00
- Costs over the property value
- 4.9%
Your result in words
For a property of R$500,000.00 with a down payment of R$100,000.00, costs beyond the price add up to R$24,500.00 (4.9% of the value). You need R$124,500.00 upfront and finance R$400,000.00.
Informational estimate, without fees or inflation. Check taxes and charges for your case; the real result may differ.
How it works
What weighs beyond the price
When buying a property there are costs not covered by the mortgage: transfer tax, deed, registration and other fees. They must be in your cash along with the down payment.
Formula
How to calculate
C are the extra costs: the value V times (transfer tax + registration, in %) plus other costs. Upfront cash is the down payment E plus C, and the financed amount is V minus E.
Example
With round numbers, so you can check the math:
For a property of R$500,000.00 with a down payment of R$100,000.00, costs beyond the price add up to R$24,500.00 (4.9% of the value). You need R$124,500.00 upfront and finance R$400,000.00.
Frequently asked questions
Do the percentages apply everywhere?
No: transfer tax and notary fees vary by city and state. They are editable fields; check your municipality.
Can these costs be financed?
Usually not: the bank finances part of the property value, and the costs are on you.
Math checked by the JuntaTudo team · updated on Nov 12, 2026
