# Marbella Transaction Cost Calculator

How much cash do you actually need at closing? Standard rule of thumb is "10% on top of property price", but reality varies by property type (second-hand vs new-build), mortgage use (adds AJD on mortgage deed), and lawyer choice.

This calculator gives you the EXACT number, broken down line by line:

- **ITP 7%** (Andalucía, second-hand) OR **IVA 10% + AJD 1.2%** (new-build)
- **AJD on mortgage deed** (1.2% of mortgage amount, if using one)
- **Notary** (regulated scale, €600-3500)
- **Land registry** (similar scale)
- **Lawyer** (1% + 21% Spanish VAT typical)
- **Gestoría** (admin: NIE + padrón + utility transfers)
- **Arquitecto técnico survey** (optional but recommended)
- **TOTAL cash needed at closing** (= property price + costs − mortgage if any)







## Typical Andalucía closing-cost ratios

| Scenario | Total transaction cost as % of property price |
|---|---:|
| Second-hand, no mortgage | 9.5% |
| Second-hand, 70% mortgage | 10.4% (extra AJD on mortgage) |
| New-build, no mortgage | 12.5% (IVA 10% > ITP 7%) |
| New-build, 70% mortgage | 13.4% |

## Related reading

- [Marbella Property Buying Complete Guide 2026](/marbella-property-buying-complete-guide-2026-en)
- [Spanish Property Tax & Legal Complete Guide](/spanish-property-tax-legal-complete-guide-2026-en)
- [Arras vs Contrato de Reserva Quiz](/quiz-beckham-law-eligibility-en) (pre-completion deposit mechanics)