7 Important Costs When Buying a House Not to Forget in 2026
Many people are surprised by the unexpected costs of buying a home. You might think that only the purchase price matters, but in reality, there’s much more to it.
In this article, you’ll discover the 7 most important costs you definitely shouldn’t overlook in 2026. We’ll show you which costs are often overlooked, provide up-to-date figures, and share practical tips. Want to avoid financial stress and buy your dream home with confidence? Then read on.
Why is it important to understand the costs involved in buying a home?
If you’re planning to buy a home, it’s crucial to know exactly what costs are involved beforehand. Many people only think about the purchase price, but in reality, the total costs of buying a home are often 4 to 6 percent higher than the price of the home itself. This amount can add up significantly, especially in today’s housing market.
On top of the purchase price, you’ll face all sorts of additional costs associated with buying a home, such as transfer tax, notary fees, consulting fees, appraisal costs, and more. These unexpected expenses cause financial stress or even payment problems for many homebuyers. Research by De Hypotheker shows that as many as 70% of buyers underestimate the additional costs of buying a home.
A real-life example: First-time homebuyers often forget to include a structural inspection or appraisal in their budget. As a result, they discover after the purchase that they don’t have enough of their own funds, which can delay the key handover or even force them to take out a temporary loan.
Under the new rules, you can borrow up to 100% of the home’s value through a mortgage. This means you must pay all home-buying costs that exceed the purchase price out of your own pocket. These include, for example, fees for mortgage advice, the notary, and the structural inspection.
A detailed overview of all home-buying costs not only gives you peace of mind but also more control over the purchasing process. You’ll know exactly where you stand, allowing you to better negotiate the price or terms.
Want to make sure you don’t overlook any costs associated with buying a home? Then use a handy calculation tool, such as “Calculate Home-Buying Costs,” to get immediate insight into your personal situation and all associated expenses.
7 Important Costs to Keep in Mind When Buying a Home in 2026
When buying a home, it’s important to look beyond just the purchase price. The costs of buying a home consist of several items that can quickly add up. Below are the 7 most important cost items you absolutely must take into account in 2026.
1. Transfer Tax
Transfer tax is one of the first costs you’ll encounter when buying an existing home. In 2026, you’ll typically pay 2 percent of the purchase price. For investors, this rate is as high as 8 percent. If you’re under 35 and buying a home below the NHG threshold, you may qualify for a first-time buyer exemption in many cases.
Suppose you’re a first-time homebuyer purchasing a home for 350,000 euros. In that case, you’ll save 7,000 euros if you qualify for the exemption. Always check the current rules regarding transfer tax carefully before making an offer.
2. Notary and Land Registry Fees
In addition to the purchase price of the home, you’ll have to pay notary fees and land registry fees. These costs associated with buying a home are necessary to draw up the deed of transfer and officially register the property with the Land Registry. In 2026, the average fees range from 1,200 to 2,000 euros. The exact amount depends on the region and the notary you choose.
It’s worth comparing quotes from different notaries. The difference between the cheapest and most expensive notary can easily amount to hundreds of euros.
3. Mortgage Advisory and Brokerage Fees
You’ll pay advisory and brokerage fees for independent mortgage advice and to arrange your mortgage. In 2026, these costs for buying a home will average between 1,800 and 3,500 euros. This amount depends on the complexity of your situation and the advisor you choose.
Want to learn more about specific rates and options? Check out the comprehensive overview of mortgage advisory costs for 2026. This will help you get a handle on these costs associated with buying a home.
4. Appraisal Costs
A property appraisal is required if you want to take out a mortgage. The appraisal costs are therefore a fixed expense associated with buying a home. In 2026, these will average 750 euros, depending on the type of home and the region. If you’re buying a newly built home, an appraisal is often not necessary.
Always compare quotes through independent platforms to save on these costs associated with buying a home.
5. Structural Inspection
A structural inspection is not a mandatory cost when buying a home, but it is strongly recommended, especially for older homes. The average cost ranges from 400 to 600 euros. A structural inspection helps you avoid costly surprises, such as hidden defects that only become apparent after the purchase.
About 60 percent of buyers have an inspection performed on homes older than 20 years. Use the report wisely: it can save you thousands of euros on the final cost of buying a home.
6. Bank Guarantee or Deposit
When signing the purchase contract, the seller usually asks for a security deposit of 10 percent of the purchase price. You can deposit this amount yourself or arrange a bank guarantee through your mortgage lender. The cost of a bank guarantee averages 1 percent of the guaranteed amount.
Suppose you’re buying a home for 400,000 euros. The security deposit would then be 40,000 euros. If you opt for a bank guarantee, you’ll pay 400 euros in fees. 80 percent of buyers choose this option.
7. Real Estate Agent Fees (Buyer’s Agent)
Hiring a buyer’s agent is not mandatory, but it can be very beneficial. Real estate agent fees are one of the variable costs involved in buying a home. On average, you’ll pay 1 to 2 percent of the purchase price, or a flat fee of 2,000 to 4,000 euros.
Experience shows that a good real estate agent can often negotiate a better price. 65 percent of homebuyers hire a buyer’s agent. Always negotiate the fee.
Other Often-Overlooked Costs When Buying a Home
When thinking about the costs of buying a home, many people focus mainly on the purchase price, but there are other expenses that are often overlooked. These “hidden” costs can add up significantly and sometimes lead to unpleasant surprises.
Below is an overview of common, often-overlooked costs associated with buying a home:
- NHG fees: For a mortgage with the National Mortgage Guarantee (NHG), you’ll pay a one-time fee of 0.4% of the purchase price in 2026. This can amount to thousands of euros, but it often results in a lower interest rate.
- Energy efficiency label: A valid energy efficiency label is required when the property is transferred. The cost is usually around €350.
- Homeowners’ Association (VvE) registration fees: Are you buying an apartment? If so, you’ll often pay registration and service fees to the Homeowners’ Association.
- Moving and furnishing costs: These include moving expenses, painting, flooring, and furniture. These costs can quickly add up to between €3,000 and €10,000.
- Insurance: Home and contents insurance are essential, as is life insurance in some cases. You can read more about this under “Insurance with a Mortgage.”
- Extra for business owners: Are you a business owner? Then you’ll usually need an income statement, which costs between €250 and €500.
A real-life example: Suppose you’re buying a home for €350,000. In addition to the usual costs of buying a home, there are extra expenses such as the NHG (€1,400), energy label (€350), insurance (€600), homeowners’ association registration (€200), and moving/furnishing costs (€6,000). Together, this amounts to over €9,000 on top of the standard costs.
Want to make sure you don’t overlook anything? Check out this overview of additional costs when buying a home for a complete picture and helpful calculation examples.
Is Your Dream Home Financially Feasible?
Now that you know exactly what costs to expect when buying a home in 2026, you’re already a big step closer to a stress-free purchase. But how can you be sure your dream home is financially feasible, with all those additional costs?
You don’t have to figure it out on your own. We’re happy to help you get a clear overview so you won’t face any surprises and can make an offer with peace of mind. Want to know right away if your plans fit within your budget? Calculate financial feasibility and take the first step toward your new home today!
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