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Closing Costs Calculator

Closing Costs Calculator helps you total the cash needed to complete a property purchase for South Africa by combining taxes, legal fees, survey costs, and other deal expenses.

South Africa estimateLast reviewed 15 August 2026Reviewed after a methodology change

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Calculator inputs

Continue your plan

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When to use this calculator

  • Before buying, renting, refinancing or reviewing a property investment.
  • When you want to compare cash flow, tax, yield or ownership costs.
  • When you need a fast estimate before speaking to an agent, lender or adviser.
  • When you want to see how a rate or price change moves the result.

A realistic South Africa planning example

Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.

A realistic South Africa planning example
InputValue
Purchase Price (R)R0.30
Closing Costs (%)R500
Legal Fees (R)1500
Survey Fees (R)600

After entering these figures, focus on result first and then rerun the tool with a more cautious assumption.

How to read your results

Result

The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.

Method & assumptionsAuthoritative sources

This calculator estimates purchase-side costs by combining a percentage of the price you enter with any fixed legal and survey fees you enter. It does not apply a country-specific property-tax table. Use it to total the cash you need on top of the purchase price, then use a jurisdiction-specific transfer-tax calculator when you need statutory bands.

Common mistakes

  • !Using an assumption that is not supported by a current local quote, bill, statement or official source.
  • !Treating a generic estimate as a lender, provider, payroll or tax authority decision.
  • !Mixing monthly and annual inputs without converting them consistently.
  • !Testing only one scenario instead of checking how a cautious assumption changes the result.

What to do next

  • Run a second scenario with a cautious assumption so you can see the downside clearly.
  • Compare the result with the related calculators below before making a decision.
  • Check current local rules, eligibility and provider terms before applying or committing money.
  • Keep a record of the assumptions so you can update the estimate when a quote, bill or pay figure changes.