Plan the contribution and the complete cash budget
The contribution toward the property price is only part of the money needed. This calculator adds your entered acquisition costs and retained reserve, then compares the total cash goal with available funds. The mortgage amount is the property price minus the contribution; fees are not financed in this model.
A €300,000 purchase example
A 10% contribution is €30,000, leaving a €270,000 loan. Adding illustrative costs of €24,000 and a €6,000 reserve produces a €60,000 cash goal. With €45,000 in savings and other available funds, the remaining €15,000 gap would take fifteen months at €1,000 per month. The example assumes no investment return or price change.
Avoid counting acquisition costs twice
A complete French notary quotation may already include taxes, disbursements and the notary’s remuneration. Allocate its components across the fields without adding transfer taxes a second time. Use a quotation specific to the transaction. The reserve is retained cash, not a fee paid at completion.
Read the contribution scenarios as estimates
The preset percentages compare amounts rather than available lending products. Gifts and other resources reduce the shortfall, but the calculator does not verify their availability or conditions. The savings timeline rounds up to whole months.