Estimated cash required to purchase Estimate the deposit, purchase costs and financial buffer you may want to prepare before buying your first home. Tell us about your planned purchase Adjust the amounts below to build an indicative cash requirement for your circumstances. Target property price $ Accessible savings $ Use savings that could be available for the purchase. State or territory New South Wales Victoria Queensland Western Australia South Australia Tasmania Australian Capital Territory Northern Territory Property type Established house Apartment or townhouse New home Vacant land and build Planning deposit 5% 10% 20% Custom A low deposit can involve LMI or scheme conditions. Selecting a percentage does not confirm eligibility or approval. Custom deposit percentage % Estimate your other upfront costs These amounts are editable planning figures. Replace them with confirmed estimates whenever available. Stamp duty after any concession $ Confirm this with your state revenue office or conveyancer. Grant or assistance available at settlement $ Only enter assistance confirmed as available when funds are required. Conveyancing or solicitor $ Building, pest or strata reports $ Loan, valuation and registration fees $ LMI or low-deposit cost paid upfront $ Leave at $0 if not applicable or expected to be capitalised. Moving and initial setup $ Other upfront costs $ Safety buffer to retain after purchase $ Stamp duty, concessions and grants vary by state, property and buyer circumstances. This calculator does not determine entitlement. Confirm the figures before relying on the result.
