How much deposit do I need for a €300,000 house in Ireland?
A €300,000 purchase normally needs more cash than the deposit alone because buying costs also need to be funded.
Page checked: 21 October 2026
Standard 10% deposit example
This is a simple illustration. Your lender may require a different structure, and the maximum mortgage is also affected by income and affordability.
Remember the buying costs
Stamp duty is separate from the deposit. At a €300,000 purchase price, the standard residential stamp-duty rate of 1% produces €3,000 of stamp duty. Legal fees and other transaction costs can add further cash requirements.
Cash needed before other buying costs
| Item | Illustrative amount |
|---|---|
| 10% deposit | €30,000 |
| Residential stamp duty (1%) | €3,000 |
| Deposit plus stamp duty | €33,000 |
This subtotal does not include solicitor/conveyancing fees, valuation or survey costs, moving expenses, insurance, repairs or an emergency cash buffer. Legal costs vary by provider and transaction, so obtain a written quote rather than treating an online estimate as a fixed price.
Stamp duty is calculated on the property consideration, separately from the mortgage deposit. Confirm the applicable rate with Revenue’s current residential stamp-duty guidance.
Our affordability calculator estimates stamp duty and rough legal costs before working out the mortgage scenario.
Open Can I Afford It? →
Sources & assumptions
Central Bank mortgage-measure limits and Revenue stamp-duty rules can change. Check the official sources before relying on an estimate.
Central Bank mortgage measures · Central Bank retail interest rates