Property Buying Cost Calculator
Add up every upfront cost of buying an Australian property, including stamp duty, conveyancing, inspections and LMI, to see the total cash you actually need.
Stamp duty varies by state and territory — use our Stamp Duty Calculator to estimate it, then enter that figure here.
Your results
Calculation breakdown
- Estimated loan
- $800,000.00 − $160,000.00 = $640,000.00
- Cash required at settlement
- $160,000.00 + $39,100.00 − $0.00 = $199,100.00
Assumptions
- Stamp duty must be entered manually because rates differ by state, territory, property type and buyer eligibility.
- Total acquisition cost is the purchase price plus all upfront costs entered above.
- Grants and concessions reduce the cash you need at settlement but not the acquisition cost itself.
- This is a planning estimate only — request formal quotes before settlement.
How this calculator works
The advertised purchase price is only part of what a buyer needs at settlement. Stamp duty, conveyancing or solicitor fees, building and pest inspections, loan establishment fees, lenders mortgage insurance, moving costs and immediate renovations all sit on top of the deposit, and together they commonly add tens of thousands of dollars to a purchase. This calculator lets you enter each of those costs individually so nothing gets missed, then works out your estimated loan amount, total acquisition cost and the actual cash required after any first home owner grant is applied. Because every state and territory charges duty differently and lenders vary in their fees, treat the result as a planning estimate and confirm exact figures with your conveyancer and lender before you sign a contract. Buyers who underestimate these costs are often caught short at settlement, so building in a buffer above this estimate is a sensible habit for anyone entering the Australian property market.
Rates sourced from the Australian Taxation Office for the 2026–27 financial year. Last reviewed 01/07/2026.
Frequently asked questions
What upfront costs are easy to forget when budgeting for a purchase?
Building and pest inspections, loan establishment and valuation fees, and lenders mortgage insurance if your deposit is under 20% are the ones buyers most often underestimate. Moving costs and immediate repairs also add up quickly.
Can I borrow the upfront costs as part of my home loan?
Most lenders only lend against the property value, so stamp duty and other purchase costs generally need to come from savings rather than the loan itself, on top of your deposit.
Does a first home owner grant reduce the cash I need at settlement?
A grant, where you're eligible, is paid toward the purchase and effectively reduces the cash required, but eligibility rules, caps and timing vary by state and territory, so confirm the current details before relying on it.
Results are estimates only and are not financial, tax, legal or credit advice.
Rates and thresholds are configured for the 2026–27 Australian financial year and should be reviewed when government settings change.