Free Dubai buying-cost tool

Dubai Property Buying Cost Calculator

Estimate DLD fees, trustee charges, agency costs, mortgage fees and the upfront cash needed to buy a Dubai property. Assumptions are editable.

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Direct answer

What does this Dubai buying-cost calculator estimate?

This calculator estimates the acquisition costs and upfront cash for a Dubai property purchase. It uses current published DLD figures for sale registration, trustee charges and mortgage registration, while keeping commercial assumptions such as the buyer-funded DLD share, agency and bank fees editable.

  • Choose 2% or 4% buyer-funded DLD registration.
  • Add mortgage and commercial assumptions separately.
  • Use the estimate for planning, then replace it with written quotations.

Estimate Dubai property buying costs

Change the assumptions to match the quotation or contract. For completed property, DLD's service page lists a 2% buyer and 2% seller registration allocation. Select 4% only when your agreement places the full total on the buyer.

Agency VAT is calculated at 5%. Trustee fee includes 5% VAT. Mortgage registration is 0.25% of the estimated loan. Developer, NOC, conveyancing, inspection, insurance, furnishing and ownership costs are excluded unless entered under Other costs.

Estimated acquisition costsAED 00.00% of the property price
Estimated cash needed at purchase

AED 0

Purchase equity or full cash price plus the estimated acquisition costs above.

What the calculator includes

ItemDefaultHow to use it
DLD sale registration4% buyer-funded assumptionChange to 2% if the contract follows the DLD buyer/seller split.
Trustee service feeAED 4,200 at AED 500k+; AED 2,100 belowAutomatically selected from the entered price, including VAT.
Title/map/governmentAED 520Common apartment/villa estimate; edit for the transaction.
Agency2% + 5% VATSet to the written agency agreement or zero where not buyer-paid.
MortgageOptionalAdds 0.25% registration, bank-fee estimate, VAT and valuation.

What still needs a written quotation

The estimate deliberately excludes costs that cannot be reliable from the property price alone:

  • Developer reservation, Oqood handling, assignment or payment-plan charges.
  • Developer NOC, mortgage release or blocking arrangements on a resale.
  • Legal, conveyancing, power-of-attorney or translation work.
  • Technical inspection, snagging, valuation beyond the entered mortgage estimate and surveys.
  • Insurance, furnishing, repairs, utility deposits and moving costs.
  • Service charges, management, vacancy and other ongoing ownership costs.

Read the full cost guide for worked examples.

Turn the estimate into a purchase budget

  1. Save the maximum total cash available.
  2. Subtract a reserve for emergencies, vacancy and repairs.
  3. Enter the remaining purchase budget and realistic contract costs.
  4. For a mortgage, include a valuation-shortfall buffer.
  5. Check communities within the resulting price on Dubai Data.
  6. Send a structured buyer brief using the usable budget, not the headline price.

Official sources and review basis

  1. Dubai Land Department, Property Sale Registration
  2. Dubai Land Department, Registering the Sale of a Mortgaged Property
  3. Central Bank of the UAE, Financial Stability Report and mortgage borrower controls

Reviewed 3 August 2026. Government fees, finance rules and tax treatment can change; confirm the transaction-specific position before signing or remitting funds.

Buy / Invest cluster

Continue the Dubai buying decision.

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From research to a buyer brief

Apply the guide to your budget and timeline.

Share the purpose, budget, payment route, property type and timing so the first conversation can start with a focused brief.

Build a buyer briefContact Me

Buyer questions

Frequently asked questions

Is the Dubai buying-cost calculator exact?

No. It is a planning estimate using visible assumptions. Replace commercial estimates with the signed contract, DLD statement, lender offer and written professional quotations.

Why is the DLD percentage editable?

DLD lists a 4% total fee as 2% buyer and 2% seller on its completed-sale service page. Contracts can allocate the economic cost differently, so the buyer-funded assumption may be 2% or 4%.

Does it calculate monthly mortgage payments?

No. It estimates upfront acquisition and mortgage-registration costs. Compare monthly payments using the lender’s rate, term and insurance quotation.

Does the website store my figures?

No. The calculator runs locally in the browser and does not submit the entered figures.

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