Buying a home requires cash beyond the deposit. Separate confirmed amounts from bank, deed and renovation estimates.
Run the numbers
Cash needed to buy a home
Add the down payment, 2026 taxes, deed, loan charges, works and reserve, then deduct the deposit already paid.
How much cash do you need to buy a home?
Start with the price, taxable property value and total down payment from your own funds. The tool uses reviewed 2026 IMT and Stamp Duty rules, including joint buyers, IMT Jovem and the autonomous regions. Enter any deposit already paid separately: it is part of the down payment, not an extra cost. Available cash means your current balance after that payment.
Ask the bank for a written offer covering all loan costs. Include applicable deed, registration, valuation, initial insurance and immediate renovation costs. Keep a reserve outside the purchase budget.
The calculator assesses each buyer individually, with special rules for marital community property. For nonresidents, a potential future refund does not reduce the initial tax or budget. Exchanges, estate divisions, partial rights and relief other than IMT Jovem remain outside scope. Confirm taxes with the Tax Authority before signing a preliminary contract.
Verified sources
Official information to check
General information reviewed against official sources available on September 23, 2026. It does not replace legal, tax, financial or technical advice for your circumstances.