Cash Required to Buy Calculator
Add up the total cash you need to buy a property, combining deposit, stamp duty, fees and inspection costs you enter.
Your results
Calculation breakdown
- Total cash needed
- deposit + stamp duty + legal/registration fees + inspection costs
Worked example
A $60,000 deposit plus $22,000 duty, $2,000 legal fees and $600 in inspections totals about $84,600 cash needed to buy.
Assumptions
- Include LMI here only if you plan to pay it upfront rather than capitalising it into the loan.
- A buffer beyond this total is recommended for moving costs and unexpected adjustments.
How this calculator works
This calculator combines your deposit with stamp duty, legal fees, registration fees and inspection costs you enter to show the total cash you need on hand to complete a property purchase, beyond just the loan amount.
Frequently asked questions
Does this include LMI?
Add LMI here only if you plan to pay it upfront in cash rather than capitalising it into your loan.
Why is total cash needed more than the deposit alone?
Stamp duty, legal fees and registration charges are all payable in cash and are not usually covered by the home loan.
Should I keep extra cash beyond this total?
Yes, a buffer for moving costs, immediate repairs or unexpected adjustments is generally recommended.
Results are estimates only and are not financial, tax, legal or credit advice.