What are the buyer’s costs (kosten koper) for a house?

If an asking price says 'kosten koper' (k.k., buyer’s costs), you pay on top of the purchase price the transfer tax, the notary for the deed of transfer and the registration of that deed with the Kadaster. If you borrow money, the mortgage deed, its registration and the costs of advice and a valuation come on top. Only the transfer tax and the Kadaster’s rate are fixed; the notary, the adviser and the valuer set their own prices.

Buyer’s costs or costs included

For an existing home, 'kosten koper' is the usual form: the purchase price is what the seller receives, and you pay the costs of the transfer. 'Vrij op naam' (v.o.n., costs included) is mostly used for new builds: the costs of the transfer are then already in the price. So always compare two homes with the same kind of price.

What is fixed

The transfer tax: 0%, 2%, 8% or 10.4% of the purchase price, depending on whether you will live there, your age and what you buy.
Registering the deed of transfer with the Kadaster: in 2026 €103.50 per deed if the notary submits it electronically via KIK, €181 electronically without KIK and €215 on paper.
Registering the mortgage deed: the same amounts, per deed.

The notary pays them for you and passes them on in their statement. How the transfer tax rates work is explained in transfer tax 2026.

What is free

For the rest there is no statutory rate:

the notary’s fee for the deed of transfer and, with a mortgage, the mortgage deed: ask more than one notary for a quote;
advice on the mortgage and arranging it;
the valuation: not required by law, but a lender usually asks for one;
a buying agent, if you use one;
a building survey and a measurement report under NEN 2580: not an obligation, but a way to know what you are buying.

Ask what each quote includes: some notaries charge the Kadaster’s costs and the extracts separately.

After the handover of the keys

Every year as the owner you pay the ozb, often the sewerage charge, and as the occupant the waste collection charge; how much depends on the municipality (ozb, sewerage charge and waste collection charge by municipality). On top of that comes the water authority’s tax, and for an apartment the contribution to the owners' association (VvE).

The ozb for the year of purchase goes to the seller, who was the owner on 1 January; the notary usually settles it between you for the days after the transfer.

Buying a home with your company

If your company buys a home, the transfer tax rate is 8%: a company does not live there itself. For land, commercial property or a shop it is 10.4%. The Kadaster’s costs are the same, and the three-day cooling-off period does not apply to a company.

What the Perceelscan does with it

Section 15, Costs of buying, puts the transfer tax, the Kadaster’s rates and the ozb, sewerage charge and waste collection charge of the address’s municipality side by side, and calculates with the purchase price and WOZ value you enter. There is no figure for the notary: their price is free. This is what it looks like: see that section in the sample report.

Is 'kosten koper' the same as 2%?

No. 'Kosten koper' only says that you pay the costs of the transfer. The transfer tax is usually the largest part, but the rate can be 0%, 2%, 8% or 10.4%, and the notary and the Kadaster come on top.

What does registration with the Kadaster cost?

In 2026 €103.50 per deed if the notary submits it electronically via KIK. With a mortgage there are two deeds: the transfer and the mortgage.

How much does a notary cost when you buy a house?

That is free: every notary sets their own price. Ask for quotes and ask what they include.

Is a valuation required?

Not by law. A lender usually asks for one if you take out a mortgage.

Sources

Check it for your address

Updated on 26 October 2026