Mortgage & total closing cost calculator

Down payment, loan eligibility, and monthly payment against published CBUAE lending caps — plus the full one-time cost stack most calculators leave out: DLD transfer fee, agency commission, trustee registration, mortgage registration, bank valuation, and NOC fee. Not a bank pre-approval, but a solid, detailed first read before you talk to one.

Within the standard CBUAE lending caps

Min. down payment

AED 300,000

20%

Loan needed

AED 1,200,000

Est. monthly payment

AED 6,334

DBR utilization

21%

cap: 50%

Max loan (income cap)

AED 2,520,000

Max loan (DBR cap)

AED 2,841,787

Calculated against published CBUAE lending caps (minimum down payment by price band and residency, max loan of 7× annual income for expats / 8× for UAE nationals, 50% debt-burden-ratio cap). Individual banks can apply stricter terms. This is not a pre-approval or investment advice — confirm exact terms with a lender.

Total cash needed at closing

The number most calculators skip — everything beyond the down payment. Adjust any fee below to your actual quote; the DLD-set fees (transfer, mortgage registration) are fixed percentages and calculated for you.

Total cash needed (down payment + all closing costs)

AED 401,700

Down payment (20%)AED 300,000
DLD transfer fee (4% of price, fixed)AED 60,000
Agency commission
%AED 30,000
Trustee registration fee
AEDAED 4,200
Mortgage registration fee (0.25% of loan, fixed)AED 3,000
Bank valuation fee
AEDAED 3,000
NOC fee (seller's developer)
AEDAED 1,500

DLD transfer fee (4%) and mortgage registration fee (0.25% of loan) are DLD-set and reliable. Trustee fee, bank valuation fee, agency commission, and NOC fee are set by the trustee office / bank / agent / developer respectively — the defaults above are typical figures, not guarantees; edit them once you have your actual quotes. See our full breakdown of these fees for more context on each one.