Fix the transaction value. Record agreement value and any official valuation basis relevant to duty.
Verify state charges. Check current stamp-duty and registration schedules on the official state source.
Add tax and professional costs. Include any applicable withholding, legal review and brokerage.
Separate financed and unfinanced amounts. Ask the lender what it will actually disburse and when.
Keep a closing buffer. Do not arrive at registration with every rupee committed to the down payment.
Decision rule: if the transaction only works by assuming uncertain concessions or excluding mandatory closing costs, the property is not yet affordable.