How much cash do I need to buy an $800,000 house in NSW?

With a 20 per cent deposit, this calculator shows $193,279 for a general purchase: $160,000 deposit, $30,412 duty, $167 LRS fee, $2,000 legal and $700 inspections.

Is NSW stamp duty included in the deposit?

No. Duty is extra cash. A 20 per cent deposit is equity against the price, not a settlement total.

Does this include the first home owner grant?

No. Grants and the 5% Deposit Scheme are not in this stack. Use the NSW first-home stamp duty page for the duty concession only.

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How much does it cost to buy a house in NSW

The contract price is not the cash you take to settlement. In New South Wales you still add transfer duty, the Land Registry Services transfer fee, conveyancing, and inspections.

$193,279

Cash to complete

$30,412

Stamp duty

80%

LVR

Deposit: $160,000
Loan: $640,000
Transfer duty: $30,412
Titles / transfer fee: $167
Legal (est.): $2,000
Building and pest (est.): $700
Cash to complete: $193,279

At 80 per cent LVR or below, LMI often does not apply. Confirm with the lender. It is not in this total.

NSW stamp duty → · NSW first-home duty →

Cash to complete a purchase in NSW

On an $800,000 NSW investment purchase with a 20 per cent deposit ($160,000), this calculator shows $30,412 transfer duty and $167 NSW LRS fees. Cash to complete is $193,279, including the $2,000 legal and $700 inspection estimates.

A first-home buyer who will live in an $800,000 established home pays $0 duty in this model, so cash to complete falls to $162,867. Confirm Revenue NSW eligibility before you exchange.

Lenders mortgage insurance is not in the total. At 20 per cent equity the LVR is 80 per cent.

Common questions

How much cash do I need to buy an $800,000 house in NSW?: With a 20 per cent deposit, this calculator shows $193,279 for a general purchase: $160,000 deposit, $30,412 duty, $167 LRS fee, $2,000 legal and $700 inspections.
Is NSW stamp duty included in the deposit?: No. Duty is extra cash. A 20 per cent deposit is equity against the price, not a settlement total.
Does this include the first home owner grant?: No. Grants and the 5% Deposit Scheme are not in this stack. Use the NSW first-home stamp duty page for the duty concession only.

NSW stamp duty calculator → · NSW first-home stamp duty → · NSW stamp duty on $800,000 → · Revenue NSW →

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