{"id":2741,"date":"2026-06-27T14:15:50","date_gmt":"2026-06-27T19:15:50","guid":{"rendered":"https:\/\/hepacom.org\/gastos-de-escrituracion-vivienda\/"},"modified":"2026-07-06T11:47:30","modified_gmt":"2026-07-06T16:47:30","slug":"gastos-de-escrituracion-vivienda","status":"publish","type":"post","link":"https:\/\/hepacom.org\/en\/gastos-de-escrituracion-vivienda\/","title":{"rendered":"Property deed registration fees: how much it costs and who pays"},"content":{"rendered":"<p><strong>Last updated: June 2026<\/strong><\/p>\n<p>Marcela already had the down payment, the loan approved, and even the kitchen color chosen. What she hadn&#039;t factored in were the notary fees. A week before signing, the seller sent her the bill for the deed, and she almost dropped the deal: it was money she hadn&#039;t budgeted for. They hadn&#039;t lied to her; no one had explained that buying a house involves an extra cost on the day of signing.<\/p>\n<p>In short: the <strong>home deed expenses<\/strong> These are the payments made at the notary&#039;s office and the land registry to legally transfer the house to your name. They include notary fees, property taxes, registration fees, and some departmental fees. These aren&#039;t just a whim of the seller; they&#039;re mandatory procedures to ensure the property is truly yours. Here we explain how much they cost, who pays them, and how to budget for them without surprises.<\/p>\n<h2>What are the costs associated with registering a property?<\/h2>\n<p>When you buy a property, the transaction doesn&#039;t end with the payment to the seller. For the change of ownership to be legally valid, a public deed must be signed before a notary and then registered at the Public Registry Office. These two steps have a cost; this cost is called closing costs.<\/p>\n<p>These are different from the down payment and the loan. While the down payment is part of the house price, these expenses cover the legal costs. Therefore, it&#039;s advisable to keep them separate in your budget, along with what you&#039;ve already planned for the... <a href=\"\/en\/cuota-inicial-para-comprar-vivienda\/\">down payment to buy a home<\/a>.<\/p>\n<h2>What does the closing costs include?<\/h2>\n<p>The final invoice is made up of several items. These are the most common ones in Colombia.<\/p>\n<ul>\n<li><strong>Notarial fees.<\/strong> The notary&#039;s fee for preparing and authorizing the deed is set annually by the Superintendency of Notaries and Registry.<\/li>\n<li><strong>VAT on notary fees.<\/strong> The fee is charged on the value of the notary service.<\/li>\n<li><strong>Registration tax.<\/strong> A departmental tax that is paid to register the deed.<\/li>\n<li><strong>Registration fees.<\/strong> The fee charged by the Registry Office for registering the property in your name.<\/li>\n<li><strong>Withholding tax.<\/strong> A percentage that the seller normally assumes on the value of the sale.<\/li>\n<\/ul>\n<p>Each item is calculated based on the property value recorded in the deed, so the higher the house, the higher the expenses.<\/p>\n<h2>How much do the deed registration fees cost?<\/h2>\n<p>As a general guideline, the total notary and registration fees typically range from 21% to 31% of the property value, split between buyer and seller. This is an estimate: the exact percentage depends on the year&#039;s notary fees, the registration tax for your region, and the property&#039;s value as recorded in the deed. Therefore, it&#039;s not advisable to rely on a fixed figure.<\/p>\n<p>For a realistic calculation, request a statement from the notary with the exact value of your purchase. And confirm the current fees at the <a href=\"https:\/\/www.supernotariado.gov.co\/\" rel=\"noopener\" target=\"_blank\">Superintendency of Notaries and Registry<\/a>, which is the entity that defines notarial and registration rights.<\/p>\n<h3>Concepts of deed registration: what is paid for and who usually pays for it<\/h3>\n<table>\n<thead>\n<tr>\n<th>Concept<\/th>\n<th>What is it calculated on?<\/th>\n<th>Who usually pays for it<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Notary fees + VAT<\/td>\n<td>Value of the deed<\/td>\n<td>Buyer and seller, in equal parts<\/td>\n<\/tr>\n<tr>\n<td>Registration tax<\/td>\n<td>Property value (departmental rate)<\/td>\n<td>Buyer<\/td>\n<\/tr>\n<tr>\n<td>Registration fees<\/td>\n<td>Property value<\/td>\n<td>Buyer<\/td>\n<\/tr>\n<tr>\n<td>Withholding at source<\/td>\n<td>Sale value<\/td>\n<td>Seller<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"hepacom-table-caption\"><em>This table is indicative of standard practice. The distribution can be agreed upon differently in the contract; current rates are defined by the Superintendency of Notaries and Registry (supernotariado.gov.co).<\/em><\/p>\n<h2>Who pays for the deed registration, the buyer or the seller?<\/h2>\n<p>In Colombia, it is customary for notary fees to be split equally between the buyer and seller. The buyer is usually responsible for the property tax and registration fees, as they are the ones registering the property in their name, while the seller is responsible for withholding tax.<\/p>\n<p>However, the division of assets is not set in stone. Buyer and seller can agree on something else, and it&#039;s advisable to clarify this in writing before signing so that no one gets any surprises at the notary&#039;s office.<\/p>\n<h2>How to budget for these expenses before buying?<\/h2>\n<p>The most expensive mistake is planning only the price of the house and forgetting the paperwork. To avoid this, add closing costs to your calculations from the beginning, along with the down payment and your bank financing.<\/p>\n<p>If you&#039;re going to use credit, remember that these payments are separate from the loan amount: they&#039;re your own funds for the closing date. Review how everything fits together in <a href=\"\/en\/como-funciona-el-credito-hipotecario\/\">How mortgage loans work<\/a> And if your purchase includes government assistance, check the <a href=\"\/en\/concurrencia-de-subsidios-de-vivienda\/\">concurrence of housing subsidies<\/a> to arrange the complete financial closing.<\/p>\n<h3>Common mistakes with closing costs<\/h3>\n<ul>\n<li><strong>Do not set aside the money separately.<\/strong> Spending all the cash on the down payment and being left with nothing to pay the notary fees.<\/li>\n<li><strong>Do not agree on the distribution in writing.<\/strong> Arriving at the signing without an agreement on who pays for what and ending up assuming more than necessary.<\/li>\n<li><strong>Write for a value less than the real one.<\/strong> Lowering the value in the deed to pay less can bring you legal and tax problems later.<\/li>\n<\/ul>\n<h2>Frequently asked questions about home deed registration fees<\/h2>\n<h3>Can the closing costs be financed with the loan?<\/h3>\n<p>These are generally not included in the mortgage loan amount, which covers the value of the property. They are your own funds that you need to have available on the day of signing.<\/p>\n<h3>How much should I set aside for the deed registration?<\/h3>\n<p>A prudent estimate is to set aside between the 21st and 31st quarters of the property&#039;s value for notary and registry fees, and request the exact amount from the notary before signing. The precise figure depends on the annual fees and your specific department.<\/p>\n<h3>Who chooses the notary?<\/h3>\n<p>It&#039;s usually agreed upon by both parties. Any notary in the relevant district can draw up the deed, so it&#039;s advisable to compare timelines and request a settlement before making a decision.<\/p>\n<h3>Do I pay the same if the housing is subsidized?<\/h3>\n<p>The expenses are calculated based on the deeded value, regardless of whether or not it includes a subsidy. What changes is the source of the funds for the purchase, not the basis for the notarization process.<\/p>\n<h2>How Hepacom accompanies you<\/h2>\n<p>At the Hechos Para la Comunidad Foundation, we often see families who arrive excited about closing on their new home, only to be held back by an unexpected expense. Knowing the closing costs beforehand prevents that shock and allows you to sign with peace of mind.<\/p>\n<p>We help you understand the real costs of buying a home and plan the entire path towards one. <a href=\"\/en\/vivienda-digna-en-colombia\/\">decent housing in Colombia<\/a>. Find more guides on credit and home buying in our <a href=\"\/en\/blog\/\">blog<\/a> And if you need guidance, write to us at <strong>donaciones@hepacom.org<\/strong>.<\/p>\n<p><em>Information guide. The process is handled by the notary and the registry office. Verify the current fees and distribution through official channels before signing. Hepacom does not charge for or manage notarial procedures.<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>Home closing costs include notary and registration fees. Find out how much they cost, who pays them, and how to budget for them before signing the deed to your house.<\/p>","protected":false},"author":1,"featured_media":2742,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[18],"tags":[],"class_list":["post-2741","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito-vivienda"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Gastos de escrituraci\u00f3n de vivienda: cu\u00e1nto y qui\u00e9n paga<\/title>\n<meta name=\"description\" content=\"Los gastos de escrituraci\u00f3n de vivienda incluyen notar\u00eda y registro. 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