Real estate calculator
Frais de notaire: work out your budget
How much should you set aside on top of the purchase price? On an older home, acquisition costs come to around 7 to 8.5 % of the price, against 2 to 3 % on a new build. Adjust the rate for your département to refine the estimate.
Prix d’achat hors mobilier et hors frais d’agence.
Défaut 2026 : 5,00 % (taux majoré, 83 départements, jusqu’au 30/04/2028). 4,50 % pour les primo-accédants ou les départements n’ayant pas relevé ; 3,80 % en Indre, Hautes-Pyrénées et Mayotte. Vérifiez votre département.
Frais avancés par le notaire (documents, cadastre, formalités). Ordre de grandeur : 800 à 1 500 €.
- Frais d’acquisition estimés
- 20 120 €
- À prévoir en plus du prix d’achat.
- Part du prix d’achat
- 8,0 %
- 8 %du prix d’achat
Décomposition
- Droits de mutation (DMTO)
- 15 796 €
- Émoluments du notaire (TTC)
- 2 874 €
- Contribution de sécurité immobilière
- 250 €
- Débours (forfait)
- 1 200 €
- Total des frais
- 20 120 €
An estimate, not advice
Indicative estimate, not a contractual offer — the actual terms depend on your own situation and are set by the institution or the tax authority. Check with a professional.
Les droits de mutation (DMTO) sont votés par les conseils départementaux et varient donc d’un département à l’autre ; ils n’enrichissent pas le notaire (service-public.gouv.fr, 02/04/2025). Consultez le taux applicable sur impots.gouv.fr ou notaires.fr. Barème 2026, à revérifier à chaque loi de finances.
How the estimate is worked out
The “frais de notaire” are in reality acquisition costs made up mostly of taxes. On an older home, the dominant item is the transfer duty (DMTO, droits de mutation à titre onéreux): a département tax (5.00 % by default in 2026, adjustable above), plus the municipal tax of 1.20 % and the State’s assessment fee. On a new build there is no full DMTO but a reduced land-publicity tax (0.71498 %), because VAT is already included in the price.
To that are added the notaire’s regulated fees (a tapering scale + VAT 20 %), the property-security contribution (CSI, 0.10 % of the price) and a flat sum for disbursements. Since the DMTO rate varies from one département to the next, this estimate remains indicative and not contractual.
These costs come on top of the asking price
The calculation states them separately from the price: that is money to find in addition. Ask each bank what it agrees to include in the financing, and compare before you file your application.
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