Total cost of buying a home

How this estimate works

Cash needed = price − loan + duty + registration + applicable GST + legal and loan fees + society deposit + reserve.

The asking price is only the starting point for a cash budget. Borrowing pays part of that price, while a buyer needs separate funds for the balance and transaction costs. Enter a loan amount supported by the scenario you are considering. This tool subtracts borrowing from the price and then adds each cash cost once, keeping the reserve visible rather than spending it silently.

Duty and registration are separate inputs because the applicable rules depend on where and what you buy. Use the stamp duty tool to organise those components, then enter the resulting amounts here. Confirm whether a quoted fee already includes taxes. Loan processing, legal checking and valuation may be charged separately or in stages. Obtain a written cost sheet instead of estimating them from an advert.

Construction GST requires particular care. The transaction timing, completion position and project category affect the treatment. The linked government guidance is a starting point for checking your cost sheet. Enter the applicable amount confirmed for your case, including an explicit zero only when you have checked that none applies. The calculator does not classify a transaction as taxable merely because the building looks unfinished.

A society deposit, advance maintenance payment or reserve uses cash even where it is not part of the sale consideration. Include these without confusing them with monthly ownership costs. The result is an initial cash estimate rather than a complete lifetime cost. Interiors, moving and timing gaps between loan disbursal and seller payments may need additional planning. Recalculate when the lender changes the amount, the registrar changes the valuation or the seller revises the payment schedule.

Timing matters as much as the final total. The seller may need your contribution before the lender releases funds, and a refundable deposit can remain tied up after completion. Map each item to the payment date in your agreement. Keep receipts and avoid subtracting an expected refund until the responsible party has confirmed both the amount and when it will be returned.

Sources and limits

• Article 25 urban-category base duty: 5%. This is a component, not a Maharashtra-wide total. Later amendments, jurisdiction, local levy, metro cess and concession conditions require confirmation. IGR Maharashtra, checked 2026-11-10. Effective basis: 2026-07-22.
• Published fee scale: ₹100 up to ₹10,000, then ₹10 per ₹1,000 or part above that value, capped at ₹30,000. Separate handling fees and later changes require confirmation. IGR Maharashtra, checked 2026-11-10. Effective basis: 2021 fee table; commencement not established.
• Construction tax depends on the transaction and project category. Enter the amount confirmed on your cost sheet; this tool does not choose a GST classification. Government of India, Tax Research Unit, checked 2026-11-12. Effective basis: 2019-04-01.

Questions about this tool

This is general information, not legal, tax or financial advice. Check with a qualified professional for your case.

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