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First Time Buyer Deposit Calculator Ireland
Estimate how much you may need to buy your first home in Ireland, including deposit rules, stamp duty, and typical upfront costs.
This tool provides general information based on publicly available Irish mortgage rules and typical buying costs as of June 2026. It does not constitute financial advice, mortgage approval, or a formal loan offer.
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First-Time Buyer Deposit in Ireland
Most first-time buyers in Ireland need a minimum deposit based on Central Bank rules. However, the total amount required upfront is often higher once additional costs are included.
This calculator provides an estimate of what you may need so you can plan ahead and avoid unexpected expenses when buying your first home.
Understanding First-Time Buyer Deposit Costs in Ireland
Buying your first home involves more than just saving a deposit. In Ireland, most first-time buyers can borrow up to 90% of a property’s value, meaning a minimum deposit of 10% is typically required.
However, the total upfront cost is usually higher when additional expenses are included, such as stamp duty, legal fees, valuation costs, and insurance.
This calculator combines these elements to give a clearer estimate of what you may need. It can also reflect how support schemes, such as Help to Buy, may reduce the amount required from your own savings.
Important: This is a guide only. Final figures depend on lender rules, property type, scheme eligibility, and your individual circumstances.
Frequently Asked Questions
How much deposit does a first-time buyer need in Ireland?
Most first-time buyers need at least 10% of the property price as a deposit, although the total upfront cost is usually higher once fees and taxes are included.
Does Help to Buy reduce the amount I need in savings?
The Help to Buy scheme may reduce the amount of cash you need upfront, depending on your eligibility and the property you are purchasing.
Are legal fees and stamp duty included in this calculator?
Yes. This calculator includes common upfront costs such as stamp duty, legal fees, and valuation expenses to give a more realistic estimate.
Is this calculator a mortgage approval?
No. This calculator provides an estimate only and is not a mortgage approval, agreement in principle, or financial advice.
What other costs should first-time buyers budget for?
Buyers should also consider valuation fees, survey costs, insurance, and moving expenses when planning their purchase.
How Much Deposit Do First-Time Buyers Need in Ireland?
Buying your first home in Ireland requires careful planning, particularly when it comes to your deposit and upfront costs.
While a 10% deposit is the typical minimum, the actual amount needed is often higher once all associated costs are included.
This calculator helps you estimate the total amount required so you can better prepare financially before starting your property search.
What Costs Are Included in This Calculator?
This calculator provides a more complete estimate by including:
• Minimum deposit based on Central Bank rules
• Stamp duty
• Legal and conveyancing fees
• Valuation and survey costs
• Insurance and setup costs
• Potential support schemes such as Help to Buy
This gives a clearer picture of your total upfront cost — not just the deposit.
Help to Buy Scheme Explained
The Help to Buy (HTB) scheme can reduce the amount of cash you need upfront, depending on your eligibility and the type of property you are purchasing.
It is generally available to first-time buyers purchasing new builds or self-build homes and may provide a contribution towards your deposit.
Note: Eligibility criteria and limits apply, and you should confirm details with official sources or a qualified adviser.
How to Reduce Your Deposit
There are several ways buyers in Ireland may reduce their upfront costs:
• Help to Buy scheme (if eligible)
• Savings over time
• Gifts from family (subject to lender rules)
• Other local authority or support schemes
Planning ahead and understanding your options can significantly reduce the amount you need in cash.
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Disclaimer: HiMortgages.ie provides mortgage calculators and general information only. We are not a lender, mortgage broker, or financial adviser. We do not provide financial advice or recommendations.
If you choose to request further information, you may be referred to a regulated mortgage broker or lender. Any such interaction is entirely optional.