A first home buyer grant is a state-based support payment for eligible buyers, usually linked to new-home purchases and occupancy requirements.
First Home Buyer Calculator Australia
Buying your first home involves more than just loan repayments. This calculator estimates first home buyer grants, stamp duty savings, and deposit requirements based on your location and purchase details.
Results are based on public government schemes and typical lender assumptions.
Estimate:
- First home buyer grants
- Stamp duty savings
- Minimum deposit needed to buy
Buying your first home can involve grants, duty savings and low-deposit schemes - but rules vary by state and may change. This calculator gives an estimate based on your inputs and current public guidance.
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How this calculator works
The calculator normalizes your buyer and property inputs, applies a data-driven rules engine for federal and selected state pathways, estimates first home buyer grants and stamp duty savings, then builds an upfront-cash summary with assumptions and source links.
What government schemes may apply
V1 models federal 5% deposit support, Help to Buy relevance, FHSS educational prompts, and selected state concessions for NSW, VIC, and QLD to estimate first home buyer grants and stamp duty savings by state.
State-based differences
State eligibility criteria differ across duty thresholds, grant amounts, occupancy conditions, and definitions of new homes or substantial renovations.
Important assumptions and limitations
- Eligibility statuses are expressed as likely, possible, or not eligible based on inputs.
- This is not an official entitlement or lender assessment tool.
- Some duty savings are estimated in V1 to avoid false precision.
- Rules can change and may be updated at different times by each authority.
Official sources
Source links are embedded in the rules layer and surfaced in results so updates can be maintained through data revisions instead of UI rewrites.
FAQ
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Disclaimer
- This is a practical estimate, not legal, tax, credit or government advice.
- Government schemes, thresholds and price caps can change.
- Always confirm final eligibility with official providers and your conveyancer.
You can also compare duty-specific assumptions in the future updates feed when the dedicated stamp duty calculator is released.