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Buying costs
How much savings should I keep after buying a house in Ireland?
A deposit should not automatically consume every euro of your available cash: moving and homeownership create additional costs.
Page checked: 21 October 2026
Why keep a cash buffer?
After completion you may face moving costs, furniture, repairs, insurance, utilities and unexpected expenses. Keeping some accessible cash can reduce the need to borrow again when something goes wrong.
There is no universal buffer
The right amount depends on your income stability, existing savings, household commitments and expected repairs. Treat a cash buffer as a budgeting decision rather than a lender rule.
Build the buffer into your affordability check
The Check The Damage affordability calculator now lets you enter cash you want to keep back before estimating the purchase you could target.
The Check The Damage affordability calculator now lets you enter cash you want to keep back before estimating the purchase you could target.
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