What does this scheme calculator estimate?
It estimates how your own deposit, standard first-time-buyer mortgage capacity, Help to Buy, and a potential First Home Scheme equity share might combine.
Buyer tool
Help to Buy + First Home Scheme Calculator
Model the most common new-build funding stack in Ireland so you can see whether the gap looks bridgeable before applying.
Current public caps
Uses current public Help to Buy and First Home Scheme assumptions.
Local ceilings
Includes local authority price ceilings by property type.
Gap visibility
See whether a modeled gap remains after deposit, mortgage, and support.
Help to Buy + First Home Scheme Calculator
See how your own deposit, tax refund potential, and standard mortgage capacity could stack up against a new-build or self-build purchase in Ireland.
Current FHS ceiling
€500,000
Dublin City · New-build house
The modeled price is within the current First Home Scheme ceiling.
- Standard mortgage capacity
- €380,000
- Help to Buy estimate
- €24,000
- Estimated FHS requirement
- €21,000
- Remaining funding gap
- €0
Modeled at 4x gross income for a first-time buyer, capped at 90% LTV.
Based on current price, mortgage, and recent tax paid inputs.
Maximum available here would be €90,000.
This should be as close to zero as possible before you treat the stack as viable.
Funding stack
- Own deposit
- €25,000
- Help to Buy
- €24,000
- Standard mortgage
- €380,000
- First Home Scheme
- €21,000
- Modeled property cost
- €450,000
Estimate only. Help to Buy and First Home Scheme eligibility also depend on lender, property, and scheme-specific checks. As of March 5, 2026, this calculator uses Revenue and First Home Scheme public rules on caps, LTV, and current published price ceilings.
Want to sanity-check the wider buying budget too?
Use the buying budget calculator to see the broader purchase picture, including stamp duty and buying costs.
Open buying budget calculatorExplore further
Helpful next pages
These are the strongest follow-on pages after using this calculator.
Budget calculator
Check your buying budget first
Start with your base budget before layering in scheme support.
Open pageBuyer support
Request buyer-agent help
Move from calculator planning into practical search support.
Open pageBuyer guides
Read scheme and buying guides
Understand timing, deposit strategy, and when professional help adds value.
Open pageFAQ
Does this confirm that I qualify?
No. It is an educational estimate only. Final eligibility depends on the lender, the property, scheme rules, and the documentation in your application.
Why does the local authority area matter?
The First Home Scheme uses published price ceilings that vary by local authority and by property type, so the same purchase price can be eligible in one area and not another.
Can I use this for second-hand homes?
No. This page is built around Help to Buy and new-build/self-build planning rather than second-hand home purchases.