Buying a home in the UAE: cash you need on the day

Down payment, government fees, mortgage registration, the bank and the agent — added up for any emirate, plus moving in for Dubai.

Property price (AED)

Emirate

ApartmentVilla

ReadyOff-plan

ExpatUAE national

First homeFurther home

With a mortgageAll cash

Down payment (%)Minimum for this purchase: 20% (AED 400,000).

Total cash needed: AED 554,165

Fees and taxes AED 152,165 — 7.6% of the price on top

Government fees: each emirate's own published list (checked 2026-10-08). Bank, agent and developer fees: typical amounts.

Calculator by Real Loan Rate — free, no sign-up, nothing you type is stored or sent. Not financial advice.