Chapter 4 of 10 · The cost of buying · Cost of buying a house
Cost of buying a house
How much cash do I need to close?
Checked 21 Oct 2026the Stamp Duties Consolidation Act 1999, section 31A and Schedule 1, as amended by the Finance Act 2024 and typical fees, each with a source and a date.
Buying costs more than the deposit. There is stamp duty, the solicitor, the survey, the valuation, insurance and the move. Enter the price and the mortgage, adjust any fee you have a quote for, and the tool lays out every line, what you pay when you sign and what you pay at closing.
The home
What are you paying, and how much is the mortgage?
The fees
Adjust the fees
Each figure is a typical one with a source and a date, not a quote. Change any of them to the quote you have, or untick a line you will not pay.
The fees are typical figures with a source and a date, not quotes. Your own solicitor, surveyor and insurer give their own quotes. The tool does not say what a home is worth or what a lender will offer.