Dubai cash-to-close calculator

Estimate the cash needed beyond a deposit, including a lower bank valuation and buyer-paid fees. Change the assumptions to match your lender and trustee quotes. This calculator is public and runs in your browser.

Calculate your purchase cash

Purchase price (AED)Bank valuation (AED)Financing (%) — 0 for cash purchaseBuyer transfer allocation (%)Other quoted closing costs, including VAT (AED)Annual interest rate (%)Loan term (whole years)

Other costs start at zero. Add actual quotes to complete your budget. A cash purchase uses financing of 0%.

Loan: AED 800,000
Buyer price gap: AED 200,000
Additional cash from lower valuation: AED 0
Buyer transfer fee: AED 40,000
Mortgage registration percentage fee: AED 2,000
Other quoted costs: AED 0
Cash-to-close subtotal: AED 242,000
Monthly mortgage payment: AED 4,447

How to read these figures

Loan = lower of purchase price and bank valuation × your financing percentage. Financing is an input, not an eligibility assessment. The default 80% is only a scenario: buyer status, property value, existing mortgages and bank approval may change it. Buyer transfer allocation defaults to 4% as a contractual assumption; DLD publishes 2% for buyer and 2% for seller. Mortgage registration is 0.25% of the loan. Other quoted closing costs are entered as a VAT-inclusive amount and start at zero: add trustee/channel, title/map, agency, bank arrangement, valuation, NOC and applicable mortgage-service fees. Combined sale/mortgage channels may differ; avoid double counting. The result is a subtotal until those costs are entered. Monthly payment assumes a fixed interest rate and standard monthly amortisation; actual variable-rate offers differ.

Dubai cash-to-close calculator

Calculate your purchase cash

How to read these figures

Fee sources checked 10 October 2026

Plan the next step

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