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Home & property · Your inputs

Total cash to buy a home calculator UK

Add deposit, property purchase tax, legal costs, survey, moving and a chosen reserve. Check the formula, worked example and limits before using your own figures.

Enter your figures

Your estimate

Total purchase cash target

£31,000.00
Mortgage deposit£25,000.00
Costs and reserve above deposit£6,000.00

Use your actual figures. Any prefilled price, fee, rate or return is an editable illustration, not a current product quote. Property tax is an input: calculate it separately for the property’s country and buyer circumstances. Quotes and reserves are personal, not national cost averages.

How the total cash to buy a home calculator uk works

Cash needed = price × deposit percentage + tax + legal/survey + moving/setup + reserve.

Data basis: mathematical formula using your inputs. Example prices and rates are illustrative, not current market quotes.

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Worked example: total cash to buy a home

This illustration uses the calculator’s example inputs. It is not a quote or a recommended financial decision.

Purchase price (£)
250,000
Deposit percentage (%)
10
Confirmed SDLT, LBTT or LTT (£)
0
Legal and survey costs (£)
2,000
Moving and setup costs (£)
1,000
Cash reserve after purchase (£)
3,000

Total purchase cash target: £31,000.00

Cash needed = price × deposit percentage + tax + legal/survey + moving/setup + reserve.

Total cash to buy a home: questions answered

What does the total cash to buy a home calculation include?

Cash needed = price × deposit percentage + tax + legal/survey + moving/setup + reserve. Use your actual figures. Any prefilled price, fee, rate or return is an editable illustration, not a current product quote. Property tax is an input: calculate it separately for the property’s country and buyer circumstances. Quotes and reserves are personal, not national cost averages.

Plan the next step

Stamp duty calculator UK: SDLT, LBTT and LTT: Calculate SDLT, Scottish LBTT or Welsh LTT by country.

House deposit calculator UK: Turn a property price into a clear deposit target.

Browse the home & property calculators for more tools in this topic.

Using your result

Example inputs are a starting point. Replace them with your figures and select Calculate result. Results are rounded for display; calculations use unrounded values.

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