How much deposit do you need to buy a home in Belgium?
Understand your own cash, purchase fees and reserve together.
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Worried your savings will not stretch to completion?
Your answer, clearly explained
Your own money covers the part of the project the loan cannot finance. Add the price, works and all fees, then deduct the borrowing actually available.
Calculate my cash contribution ↗
Savings and your purchase contribution are different
Choose the reserve you want to keep after buying. The rest can cover part of the price, purchase tax, notary and loan fees or early works.
Look beyond a percentage of the asking price
Financing depends on the valuation and your bank’s assessment. Lending benchmarks do not impose the same cash requirement on every buyer. Check when deposits and fees are due: the loan may not yet be available.
Prepare your bank meeting
Gather your savings, existing debt payments, mortgage offer and notary’s estimate. In Kenuvo, compare the required cash with savings after your reserve. Any shortfall becomes visible.
Worked example: adapt to your circumstances
Fictional example: a €350,000 total project, including a €300,000 home, and €270,000 potential borrowing. The cash contribution is €80,000. Keeping €15,000 aside means needing €95,000 in savings. Total cost is assumed for this exercise, not a tax calculation.
Calculate my cash contribution ↗
Buying costs by region
Prepare your next step
Sources and assumptions for this page
Examples and references checked on 2026-10-29. Kenuvo.
Indicative guide. Check the legal and lending conditions for your circumstances.