UAE · Planning tools

Dubai Property Purchase Cash Calculator

Estimate the cash you need to complete a supported Dubai property purchase. Add the down payment and confirmed buyer-paid transaction costs, then subtract deposits you have already paid.

Your details

Your scenario

DLD snapshot retrieved 22 October 2026 for completed whole-property sales through a trustee, no seller mortgage. Published transfer allocation: 2% seller and 2% buyer; a documented contract can change allocation. Sale title/map and trustee fees are itemised. New mortgage 0.25% is separate; fixed mortgage/service amounts require a quote to avoid duplicate title/trustee costs. Unsupported transactions stop. No mortgage approval.

Fee snapshot / transaction planning date Transaction Completed property / map type Confirmed DLD-assessable purchase value (AED) Confirmed loan principal applied to purchase (AED) Transfer registration allocation Contractual buyer share of total 4% transfer fee (%) Contractual allocation documented (required only when changed) Buyer share of sale title/map/knowledge/innovation fees (%) Buyer share of sale trustee fee including VAT (%) Quoted additional mortgage registration / service costs, tax-inclusive (AED) All additional mortgage, agent, lender, valuation, developer and admin quotes are entered without duplicates Deposits / credits already paid toward these costs (AED)

Other quoted transaction fees (exclude automatically calculated DLD sale fees and 0.25% mortgage fee)

Entries stay in this browser. Examples use illustrative confirmations; replace them with your own checked details.

How to use this tool

Enter the purchase price and confirmed mortgage amount.
Review each fee and who is responsible for paying it.
Add paid deposits and compare total versus remaining cash needed.

How the result is calculated

Buyer cash combines equity in the purchase with buyer-paid costs. Published fee schedules and contractual fee allocation are kept separate so a customary assumption does not become a hidden rule.

Worked example

For a property costing AED1,000,000 with an AED800,000 loan and AED50,000 in buyer-paid costs, total cash is AED250,000. A paid AED20,000 deposit leaves AED230,000 still needed.

What this result does not cover

The tool does not approve a mortgage or determine eligibility to buy. Unsupported off-plan and complex transactions need separate treatment.

Questions people ask

Are agent fees fixed by this calculator?

No. Enter the actual agreement or quote.

Does the down payment include all fees?

No. Transaction and financing costs may require additional cash.

Should I count a paid deposit twice?

No. It reduces the remaining cash due.

Supported scope and official sources

Calculation version: ae-2026-10-22. Source retrieval: 22 October 2026. Independent reviewer: not yet assigned. Independent specialist review is pending. Calculations do not confirm eligibility or replace official decisions.

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