Property deposit vs total cash required at settlement
The deposit covers the part of the purchase price funded without the loan. Total cash required also includes acquisition costs that the loan does not cover, such as transfer duty, conveyancing and inspections.
Worked example with an illustrative cost allowance
For a $750,000 purchase with a $600,000 loan, the deposit is $150,000. If all acquisition costs together are $35,000, total acquisition cost is $785,000 and cash required is $185,000. The $35,000 is an illustrative allowance, not a duty quote for any state.
Enter the costs relevant to your purchase
The calculator estimates transfer duty from its stored jurisdiction table. You enter the other purchase costs, including conveyancing, registration, inspections, buyer’s agent fees and loan establishment fees. Residential purchases also have an input for lender’s mortgage insurance. Check actual quotes for your transaction.
Check the basis of any duty figure
The calculator uses investment/general scales rather than owner-occupier or first-home concessions. Read the methodology and source links before using a figure. Independent official-calculator checks remain incomplete for several stored rate tables.
Purchase cash is separate from current equity
Settlement cash describes funding at acquisition. Current equity compares today’s market value with today’s loan balance. Changing current value or current loan balance updates that snapshot without rewriting the original purchase funding model.
Try the residential calculator or commercial calculator. Read the methodology and limitations before using the results.