Calculator
Dubai property closing-cost calculator
Every fee a Dubai buyer pays at closing, itemised. DLD transfer (4%), agency commission (2% + VAT), trustee, valuation, NOC, and — if mortgaged — registration + processing. Cash and 75% LTV scenarios across price tiers.
Constants per DLD published fee schedule and RERA agency commission cap (mid-2026). Subject to change by regulators.
Your purchase
Loan ≈ AED 1,125,000
Closing costs
AED 106,955≈ 7.13% of price
- DLD transfer fee (4%)
- AED 60,000
- DLD admin fee
- AED 580
- Trustee office fee
- AED 4,000
- Title-deed issuance
- AED 250
- Developer NOC
- AED 1,500
- Agency commission (2%)
- AED 30,000
- VAT on agency (5%)
- AED 1,500
- Mortgage processing (0.25%)
- AED 2,813
- Mortgage registration (0.25%)
- AED 2,813
- Property valuation
- AED 3,500
Indicative. The full 4% DLD fee is attributed to the buyer; some contracts split it. NOC and lender fees vary — confirm with the trustee office before signing.
Scenarios
| Scenario | Property | DLD 4% | Agency 2% + VAT | Mortgage fees | Total closing | % of price |
|---|---|---|---|---|---|---|
| Studio cash | AED 650,000 | AED 26,000 | AED 13,650 | — | AED 45,980 | 7.07% |
| 1-br with mortgage | AED 1,200,000 | AED 48,000 | AED 25,200 | AED 8,000 | AED 87,530 | 7.29% |
| 2-br with mortgage | AED 2,500,000 | AED 100,000 | AED 52,500 | AED 12,875 | AED 171,705 | 6.87% |
| 3-br cash buyer | AED 4,800,000 | AED 192,000 | AED 100,800 | — | AED 299,130 | 6.23% |
| Penthouse mortgage | AED 9,500,000 | AED 380,000 | AED 199,500 | AED 32,000 | AED 617,830 | 6.50% |
Standard buyer assumes seller pays half of the DLD transfer if so contracted. Conservative table above attributes the full 4% to buyer — adjust by 2 percentage points if your contract differs.
Fee components (per scenario row 1: AED 650,000 cash studio)
- DLD transfer fee (4%)
- AED 26,000
- Dubai Land Department, paid on title transfer
- DLD admin fee
- AED 580
- Flat document-processing
- Trustee fee
- AED 4,000
- Title-transfer trustee office
- Title-deed issuance
- AED 250
- DLD title document
- NOC from developer
- AED 1,500
- Required for resale; varies AED 500–5,000
- Agency commission (2%)
- AED 13,000
- RERA-capped buyer-side broker fee
- VAT on agency (5%)
- AED 650
- Federal Tax Authority VAT on broker
Calculator is illustrative. Final figures depend on the exact property, developer NOC tier, and lender-specific mortgage fees. Always confirm with the trustee office before signing.