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Calculator and house keys on a table in a Dubai apartment

Tools and Calculators

Property Cost Calculator

Type the price, choose the emirate and see every official fee, the loan the Central Bank allows and the cash you need on the day.

Updated October 2026 · Figures checked 6 November 2026

Dubai Land Department transfer fee
4%1
Dubai Land Department transfer fee
Largest loan for an expatriate first home up to AED 5 million
80%2
Largest loan for an expatriate first home up to AED 5 million

Property Cost Calculator

The calculator

Property
Payment

Cash you need

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Breakdown of the costs

Step-by-step guide for Dubai

Official fees only, checked November 2026. Agency commission is not fixed by law; VAT is 5%. Your bank adds its own valuation and arrangement fees. Not covered, as no official fee schedule is published: Sharjah, Umm Al Quwain, Fujairah.

Sources for the calculator

  1. Dubai Land Department: Property sale registration
  2. Dubai Land Department: Request to register the initial sale
  3. Dubai Land Department: Know your rights for real estate investors
  4. DEWA: Activation of electricity and water (move-in)
  5. DARI: Registration of sale and purchase of land and real estate
  6. DARI: Register the sale of an off-plan plot or unit
  7. DARI: Register a unit mortgage
  8. Ajman Government: Real estate sale registration
  9. Ajman Government: Initial registration of off-plan units
  10. Ajman Government: Final registration of off-plan units
  11. AjmanRE: Mortgage registration
  12. RAK Municipality: Real estate sale service (ZL13)
  13. Central Bank of the UAE Rulebook: Regulations regarding mortgage loans
  14. UAE Ministry of Finance: Value added tax
  15. Investor Abu Dhabi Guide (UAE Government Portal)
  16. ICP: UAE Golden Residency

How the calculation works

  • The fees are the official ones each emirate publishes: the land department fee, title deed and mortgage registration.
  • The loan cap follows the Central Bank rules for first and later homes and for off-plan property.

Source: Dubai Land Department: Property sale registration; Central Bank of the UAE Rulebook: Regulations regarding mortgage loans1,2

Agency commission is not fixed by law, and banks add their own valuation and arrangement fees.

Frequently Asked Questions

How much cash do I need to buy property in Dubai?

The down payment plus the fees. The Dubai Land Department fee is 4% of the price, and with a mortgage an expatriate buying a first home of AED 5 million or less pays at least 20% of the price.

Sources

  1. Dubai Land Department: Property sale registration
  2. Central Bank of the UAE Rulebook: Regulations regarding mortgage loans

Figures checked 6 November 2026. Prepared by Invest-Emirates.ae for general information. Not tax, legal or financial advice.

Next step

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