Tools for buying
What your home in Umbria really costs
Simulate your mortgage payment, estimate the purchase costs and find out whether you qualify for the first-home guarantee fund. Clear numbers, before you fall for the wrong farmhouse.
All figures are indicative estimates, not advice: granting the mortgage remains at the bank's discretion.
250.000 € — change it to simulate another property.
The mortgage payment
Estimated monthly payment
1001 €/month
- Amount financed
- 200.000 €
- Total interest
- 100.375 €
50.000 € down
Average rate on new home loans in Italy: 3,50% (source: ECB, data as of May 2026).
First homeWith the 19% income-tax relief on interest, you could recover up to ~760 €/year.
Indicative estimate, not advice: granting the mortgage remains the bank’s decision.
The costs of buying
Purchase costs
An estimate of the additional costs on top of the price. Adjust the parameters for your case.
For a private sale, registration tax is calculated on the revalued cadastral value, not the price. If you don’t provide it, we estimate on the price.
| Imposta di registro 2% | 5000 € |
|---|---|
| Imposte ipotecaria e catastale (fisse) | 100 € |
| Notaio (stima) | 2400 € |
| Mediazione (stima) | 7500 € |
| Total additional costs | 15.000 € |
| Total estimated outlayprice + additional costs | 265.000 € |
- Basis for the main tax: 250.000 € (on the price).
- Valore catastale non indicato: imposta stimata sul prezzo. Con "prezzo-valore" la base è di norma inferiore — verifica con la rendita catastale.
Indicative estimate, not tax advice. The actual amounts (notary and taxes in particular) must be confirmed with the notary; granting any mortgage remains the bank’s decision.
First-home guarantee fund
Consap Fund — first home
Check in three taps whether you might qualify for the state mortgage guarantee.
Step 1 of 3
Parliamone insieme
Lasciaci i tuoi dati e rivediamo i conti insieme, sul tuo progetto d’acquisto.