Estimate only
Estimated charges
This is a total of the listed items only, not a final closing bill. It excludes paper, copies, notarial collections for public funds, certificates, departmental stamps, local surcharges and administrative fees, stamp duty, mortgage registration tax, and bank, lawyer or agent charges. Ask the notary and department for an itemized quote.
| Charge | Both parties (COP) | Buyer (COP) | Rule and official source |
|---|---|---|---|
| Sale notary fee (derechos notariales) | — | — | COP 30,900 up to COP 259,300; add 0.3% of the excess. SNR RES-2026-000964-6, art. 2(b). |
| VAT on sale notary fee (IVA) | — | — | 19% of the notary fee, not of the price. ET art. 468; SNR: VAT is additional. |
| Sale registry fee (derechos de registro) | — | — | SNR RES-2026-001726-6, art. 1(b). The rate for the selected band applies to the whole base. Bands below. |
| Registry document preservation | — | — | 2% of the registry fee. SNR art. 1, paragraph 8. |
| Base departmental registration tax | — | — | Antioquia: art. 187(a); Bogotá/Cundinamarca: art. 217, official manual. 1% in each preset. Other departments: your confirmed rate. |
| Seller withholding (retención en la fuente) | — | — | 1% of the sale price for an individual selling a fixed asset. ET art. 398. An advance on income tax; special cases and exemptions need review. |
| Mortgage notary fee | — | — | Same ordinary formula, on the confirmed notary fee base. Housing option: 70%. SNR arts. 24–26; art. 32. |
| VAT on mortgage notary fee | — | — | 19% of the mortgage notary fee. ET art. 468. |
| Mortgage registry fee | — | — | Same bands, on the mortgage value stated in the deed. Housing option: 70%. SNR art. 9; art. 20. |
| Mortgage document preservation | — | — | 2% of the mortgage registry fee. SNR art. 1, paragraph 8. |
| Total of listed estimates | — | — | Excludes the costs noted above. |
Registry totals include the 2% charge. They are rounded to the nearest COP 100 (SNR art. 25). The preservation line includes the rounding adjustment. This estimate rounds other amounts to whole pesos. A zero in your share means the assumed split assigns that charge to the other party.
SNR tariffs: checked October 25, 2026. VAT and withholding: checked October 25, 2026. Antioquia: checked October 25, 2026. Bogotá/Cundinamarca: checked October 25, 2026.
2026 registry bands and calculation steps
| Base (COP) | Ordinary fee before the 2% charge |
|---|---|
| Up to 12,852,101 | COP 53,100 |
| Over 12,852,101 to 192,778,606 | 0.911% |
| Over 192,778,606 to 334,149,656 | 1.131% |
| Over 334,149,656 to 494,798,857 | 1.260% |
| Over 494,798,857 | 1.333% |
SNR art. 1(b). Use the higher of the price and the cadastral value for registry fees. The sale notary fee, registry fee and departmental tax use the higher of the price and cadastral value entered. If a higher self-assessed value applies to the notary or departmental tax, request a separate assessment; this tool does not model it. Apply the selected band to that whole base. Apply withholding to the sale price. Then divide the charges under the selected allocation.
How this tool works: method, limits and sources
Colombia property closing costs include notary fees, VAT, registry fees, registration tax and, where due, seller withholding. This calculator estimates the listed charges in pesos using the 2026 rules cited below.
Estimate only. This tool covers an ordinary resale of full ownership between individuals. The seller must hold the property as a fixed asset. Auctions and transfers of partial rights are outside its scope. It does not apply special exemptions or social-interest housing (VIS) or priority-interest housing (VIP) rates. The calculator runs in your browser. It does not send or save the figures you enter. The site sends page-view and usage events. Ask a Colombian lawyer or accountant about your case.
Before you sign
- Get the price, cadastral certificate, draft deed and lender certificate, if there is a mortgage.
- Confirm who pays each charge in the promise contract.
- Compare this estimate with the notary’s itemized bill and the departmental tax assessment. Include every excluded item.
Avoid using a single percentage for the whole closing. Do not confuse the departmental tax with the SNR registry fee. See the closing-costs guide, buying steps and promise-contract guide.
Frequently asked questions
How much does it cost to close a property purchase in Colombia?
There is no single closing-cost percentage. Enter the price to estimate each listed fee and tax. Add the excluded costs from the notary’s and department’s quotes.
Are registry fees and registration tax the same charge?
No. SNR sets the registry service fee. The department charges a separate registration tax. The Antioquia and Bogotá/Cundinamarca presets use a base tax rate published by the department of 1%, before local additions.
Does the buyer pay the seller’s withholding?
This estimate assigns withholding to the seller. The 1% rule applies when an individual sells a fixed asset. It is an advance on income tax. Special cases and exemptions need review.
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Yes. Copy the iframe code below. The embed hides the site header and footer. Visitors enter their figures in their own browser.
Estimate only. Educational information, not legal or tax advice. Ask the notary for the final charges. Ask a Colombian lawyer or accountant about your case.
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