What costs are involved when buying a home in the Netherlands?
Besides the purchase price there are additional costs, often referred to as kosten koper. Most of these are paid from your own funds.
English Nederlands
Possible cost items
- Transfer tax, or an exemption depending on your situation.
- Notary fees for the deed of transfer and the mortgage deed.
- Valuation (taxatie) costs.
- Advice and mediation fees.
- NHG premium, if applicable.
- Optional: buying agent, structural survey, translations.
Good to know
Options differ per personal situation and per lender. Always have your situation assessed personally.
Last updated: 27 August 2026