Help to Buy Calculator

Work out how much Help to Buy you can get towards the deposit on a new home or self-build in Ireland, now up to €35,000.

Price of the new home

€

Including VAT. For a self-build, your lender’s valuation

Mortgage

€

Income tax and DIRT paid in the last 4 years

€

Add up all the buyers. USC and PRSI don’t count. Revenue myAccount shows what you paid each year.

More options

First-time buyer

Contract signed

Help to Buy

€35,000

The most anyone can get

Your deposit: €40,000
From your savings: €5,000

Help to Buy€35,000
Your savings€5,000

What this means

Help to Buy gives you back income tax and DIRT you’ve already paid, to put towards the deposit on a new home. It’s your own tax, so it doesn’t need to be repaid.

It’s paid to the developer, or to your mortgage for a self-build, so apply through Revenue early in your purchase.

Next step

You get the lowest of

The most anyone can get	€35,000
10% of the price	€40,000
Income tax and DIRT you paid in the last 4 years	€40,000

Do you qualify?

First-time buyer (all buyers)
Price €500,000 or less, including VAT
Mortgage at least 70% of the price (€280,000)
Paid income tax or DIRT in Ireland

The home must also be newly built, by a Revenue-approved developer, or a self-build, and you must live in it as your main home for 5 years.

Assumptions in this estimate

Help to Buy is the lowest of €35,000 (€30,000 for contracts signed before 7 October 2026), 10% of the price, or the income tax and DIRT you paid in the 4 tax years before you apply. The scheme runs until the end of 2029.
Your deposit here is the price less your mortgage. Help to Buy is paid to the developer (or, for a self-build, into your mortgage account) and counts towards it.
With the First Home Scheme as well, that scheme’s share is limited to 20% of the price.
Stamp duty and legal fees aren’t included.

Spotted a mistake? Tell us

How the calculator works

The amount: the lowest of €35,000, 10% of the price, or the income tax and DIRT you paid in the last 4 years. USC and PRSI don’t count.
The checks: you must be first-time buyers, the price must be €500,000 or less including VAT, and your mortgage must be at least 70% of the price.
Your deposit: the price less your mortgage. Help to Buy covers part or all of it, and the rest comes from your savings.

Examples

New home price	Tax paid in 4 years	Help to Buy
€300,000	€40,000	€30,000 (10% of the price)
€400,000	€40,000	€35,000 (the most you can get)
€400,000	€22,000	€22,000 (the tax you paid)
€520,000	€50,000	Nothing (over €500,000)

Who qualifies, the dates and how to apply are in Help to Buy explained.

Last updated October 14, 2026

Frequently asked questions

How much Help to Buy can I get?

The lowest of €35,000, 10% of the price, or the income tax and DIRT you paid in the 4 tax years before you apply. On a €400,000 new home, that’s up to €35,000.

When does the €35,000 limit apply?

For contracts signed from 7 October 2026 until the scheme ends at the end of 2029. Before that, the limit was €30,000.

Does Help to Buy count towards my deposit?

Yes. It’s paid to the developer, or into your mortgage account for a self-build, and counts towards your deposit. On a €400,000 home with a 90% mortgage, it covers €35,000 of the €40,000 deposit.

Can I use it with the First Home Scheme?

Yes, but the First Home Scheme’s share is then limited to 20% of the price, instead of 30%.