HomeCalc | 2026 First Home Buyer Calculator

State

Buyer Type

Property Type

Property Price

Where are you buying?

Region (for price caps) Used to check price caps and eligibility in some schemes.

Tell us about you

Applicant Type

Annual Income (Gross)

What’s your deposit?

Deposit Amount

Single parents can qualify from a 2% deposit.

Contract signed before 30 Jun 2026?

You have qualified for 0 benefits! Click here to view details

What you’ll pay

Stamp duty (after concession) $0

Other government fees (estimate) Land transfer + mortgage registration $0

Total Government Fees Stamp duty + other government fees (estimate) $0

What you’ll save

Stamp duty saved vs standard rate $0

First Home Owner Grant (FHOG) +$0

Estimated LMI avoided (if eligible) $0

Estimated total benefit vs standard purchase $0

Includes stamp duty concession + grants. Excludes lender/legal costs.

Programs you’re eligible for

Price caps

Family Home Guarantee Select inputs to verify caps.

Help to Buy (Shared Equity) Select inputs to verify caps.

Region used: Capital City & Regional Centres.

Cap details & assumptions

Region used: Capital City & Regional Centres.

Family Home Guarantee cap: Select inputs to verify.

Help to Buy cap: Select inputs to verify.

Excludes lender fees, legal fees, and lender-specific pricing.

Estimates only. Excludes lender fees, legal fees, and lender-specific pricing.

How we calculate

✓ Stamp duty uses published state schedules and first home buyer concessions where applicable.

✓ Government registration fees include transfer + mortgage lodgement.

✓ Scheme eligibility uses your income, deposit, property type, and regional price caps.

✓ Rounded estimates; excludes lender/legal costs and lender-specific discounts.

Calculate your 2026 First Home Benefits.