Home purchase budget

Israel Home-Buying Costs Calculator

Estimate the cash needed before completion: down payment, purchase tax, professional costs, setup costs and a reserve.

Editable assumptions: legal, brokerage, appraisal, registration, renovation and reserve costs vary. Replace every default with a real quote before signing.

Page informationMethodology · Version history

Version2026.08.7

Last checkedAugust 1, 2026

Information typePlanning calculator

Source basisTax Authority brackets plus user-entered cost assumptions

Known limits: This does not determine buyer classification, lender approval, appraisal value or every legal, municipal, developer, financing and renovation charge.

Update policy: Material rule changes and corrections are logged on the version-history page.

Property price (₪)

Purchase-tax status

Mortgage/LTV planning category

Planned down payment (%)

LTV check: choose the mortgage category and calculate to compare the planned down payment with the selected scenario.

Legal fee before VAT (%)

Buyer agent fee before VAT (%)

VAT on entered professional fees (%)

Add VAT to the entered legal and buyer-agent fees

Appraisal, registration and bank setup (₪)

Renovation, furniture and moving (₪)

Cash reserve after completion (₪)

Minimum down payment in selected scenario

—

Planned down payment

—

Purchase tax

—

Professional-fee VAT

—

Other costs + reserve

—

Estimated cash needed

—

Mortgage amount

—

All-in acquisition budget

—

Costs this tool keeps separate

A mortgage normally funds part of the property price, not the entire transaction. The LTV check uses the entered purchase price; if the bank accepts a lower appraisal value, more cash may be required. Purchase tax, legal fees, brokerage, appraisal, registration, insurance setup, renovation, furniture and a liquidity reserve can materially increase the cash requirement.

Official references: Israel Tax Authority purchase-tax simulator · VAT rate history. Professional fees and whether VAT applies to a quoted amount are user assumptions, not official tariffs.

Continue planning

Useful next steps

Minimum down paymentCheck the maximum-LTV category.Monthly mortgageEstimate repayment and total interest.Purchase-tax detailReview the modeled brackets and limitations.