Use this when you view, offer, and complete. Buyer costs (quick)Resale: ~+11% (ITP 10% + notary/registry/gestoría + legal). New build: ~+12% (IVA 10% + AJD ~1–1.5% + fees). Mortgage extras: valuation, possible opening fee, home insurance. Seller tax: plusvalía usually seller-paid — write it into the deed. See Costs of Ownership Timeline (clean)Week 0–2 search & second views;...