Calculator
Dubai Property Buying Cost Calculator
Every fee on a Dubai purchase, from the 4% DLD fee to mortgage costs, worked out in seconds.
Quick answer: Buying a ready property in Dubai usually costs about 6–7% of the price in fees for a cash buyer and 7–8% with a mortgage. The 4% Dubai Land Department (DLD) transfer fee is the biggest item. Enter your price below to see every fee, the total, and the cash you need on transfer day.
Estimates only, based on published DLD and UAE Central Bank rules as of October 2026. Confirm figures before you commit.
What the calculator includes
| Fee | How it is calculated |
|---|---|
| DLD transfer fee | 4% of the purchase price, paid by the buyer by market practice |
| DLD admin and title deed fees | About AED 830 for ready property. Off-plan Oqood registration admin is about AED 40 |
| Trustee office fee | AED 4,000 + VAT under AED 500,000; AED 4,200 + VAT above (ready property only) |
| Agency commission | 2% of the price + 5% VAT when buying through a broker |
| Mortgage registration | 0.25% of the loan + AED 290 |
| Bank arrangement fee | Up to 1% of the loan + VAT (varies by bank) |
| Valuation | About AED 2,500–3,500, paid to the bank’s valuer |
For a full explanation with a worked example, read the cost of buying property in Dubai. Planning finance? Try the Dubai mortgage calculator, or read how much expats can borrow.
Frequently asked questions
How much are the fees to buy a property in Dubai?
Expect about 6–7% of the price as a cash buyer of ready property, and about 7–8% with a mortgage. The 4% DLD transfer fee is the largest part.
Who pays the DLD fee in Dubai?
By market practice the buyer pays the full 4% DLD transfer fee, unless the parties agree otherwise or a developer offer covers it.
Are fees lower for off-plan property?
Usually. Off-plan buyers still pay the 4% DLD fee (sometimes covered by the developer) but normally avoid the trustee office fee, and agency commission when buying directly from the developer.
How much cash do I need to buy with a mortgage?
At least the down payment, which is 20% for most expat first-time buyers of homes under AED 5 million, plus the fees. On an AED 2 million apartment that is roughly AED 550,000 in total.