Can notary fees be financed with the loan?

Yes, it is a so-called 110% financing, but banks reserve it for very strong profiles: the norm remains to bring at least the acquisition costs as down payment. A down payment covering notary and guarantee fees is the most commonly required entry threshold.

How can notary fees be reduced?

Three legal levers: deduct furniture from the price (within its documented real value, customarily around 5%), deduct agency fees when the mandate charges them to the buyer, and use first-time buyer status in departments that voted the raise. For new builds, the reduced regime applies automatically.

Are the displayed fees accurate to the cent?

The computation applies the official 2026 scales, but the notary’s final statement can vary by a few dozen euros depending on the file’s actual disbursements and specific formalities. The office refunds or bills the difference at signing. Brokers equipped with CourtImmo embed this computation directly in the financing plan.

Indicative estimate

Notary fees calculator

Estimate your acquisition costs precisely, commonly but improperly called notary fees: transfer taxes according to your department and first-time buyer status, notary emoluments under the regulated scale, real-estate security contribution and disbursements. The calculator covers existing homes (7 to 8% of the price) as well as new builds (2 to 3%).

Referential : 2026 scales (2025-2028 DMTO raise included)

Your situation

Property type

Property price (€)

€

Department

The departmental rate varies: 3.80%, 4.50% or 5.00% (2025-2028 raise).

First-time buyer (primary residence)

Exempt from the 2025-2028 departmental raise.

Furniture deducted from price (€)

€

Acquisition costs

€23,609

7.9% of the price

Transfer taxes

€18,956

6.32%

Transfer taxes: €18,956
Notary emoluments (incl. VAT): €3,353
Real-estate security contribution: €300
Disbursements (estimate): €1,000

For existing homes: transfer taxes dominate

The main component is the transfer tax (DMTO): a departmental rate of 4.50%, which most departments raised to 5.00% under the 2025-2028 authorized increase, topped by the State assessment levy (2.37% of the departmental tax) and the 1.20% communal tax. First-time buyers purchasing their primary residence keep the 4.50% rate even in departments that voted the raise. Furniture included in the sale (a fitted kitchen for instance) can be deducted from the taxable base.

For new builds: VAT and reduced tax

A new home sold off-plan carries 20% VAT included in the price, but benefits from a reduced land registration tax of 0.715% instead of full transfer taxes. This is why acquisition costs drop to 2 or 3% of the price. Notary emoluments and the real-estate security contribution remain due under both regimes.

Emoluments, CSI and disbursements

The notary’s regulated remuneration follows the degressive scale of the 28 February 2020 decree: 3.870% up to €6,500, 1.596% from €6,500 to €17,000, 1.064% from €17,000 to €60,000, then 0.799% beyond, plus 20% VAT. A discount is possible above a €100,000 base, capped at 20% of the scale. Add the real-estate security contribution (0.10% of the price, minimum €15) and disbursements, around €1,000, which reimburse urban-planning, civil-status and land-registry documents advanced by the office.

Frequently asked questions

In a department on the raised rate (5.00%), expect about €25,000, roughly 8.3% of the price: around €18,700 of transfer taxes, €4,400 of emoluments including VAT, €300 of CSI and €1,000 of disbursements. As a first-time buyer, the departmental rate falls back to 4.50% and the bill drops by about €1,500.

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Indicative estimate. Results are provided for information only, based on dated scales, with no contractual value. They are neither a credit offer nor personalized advice. No entered data is stored or transmitted. A loan commits you and must be repaid: check your repayment capacity before committing.