Ireland Help to Buy Cash-to-Close Calculator
Map the tax-based HTB estimate into booking deposit, mortgage, equity support and cash still needed at closing.
Cash-to-close waterfall
Use the joint applicants' verified Income Tax and DIRT paid in the relevant four years.
Initial scheme gates pass
Tax-based HTB ceiling: €26,000
HTB used in waterfall: €26,000
Mortgage ratio: 80.0%
Cash still needed at closing: €39,000
Pre-claim estimate only. Revenue approval, contractor/developer verification and actual closing statements control the claim.Decision guides
Help to Buy eligibilityScreen first-time buyer, property value, new-build and mortgage conditions.Four-year tax refund ceilingLimit the estimate to verified Income Tax and DIRT paid by all applicants.Joint applicantsCombine applicant tax records without assuming an equal claim split.Booking deposit waterfallPlace the paid booking deposit correctly in the closing funds map.70% mortgage testCheck the loan-to-value gate using the qualifying purchase value.First Home Scheme and HTBShow equity support separately from the tax refund and mortgage.Self-build valuation routeMap approved valuation, drawdown and contractor evidence for a self-build.Claim and closing timelineTrack application, access code, claim verification and closing milestones.
Methodology and limits
The engine applies the three-way HTB ceiling, checks core property/mortgage gates and reconciles the entered funding sources. It does not predict Revenue approval.