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Dubai Property Selling Cost Calculator

Estimate how much money may remain after selling a ready resale apartment, townhouse or villa in Dubai, with every selling cost itemised.

For individual owners. Not for off-plan assignments, company-owned or commercial property, or complex mortgage structures.

Official source reviewed: 25 September 2026

Calculate your selling costs

Sale details

Property type
Your share of the DLD sale registration fee

DLD does not clearly allocate this fee to the buyer or seller, so it is only included if you pay it.

Mortgage

Is there a mortgage on the property?

Agency

Use 5% when your brokerage charges VAT separately. Turn this off if the amount you entered already includes VAT or VAT does not apply to your quote.

Developer and property obligations

Other costs

Estimated net proceeds

AED —

Enter a sale price to see what you would receive. Every cost appears on its own line, and any mortgage repayment is shown separately.

What costs does the seller calculator include?

The calculator estimates your net proceeds: the sale price minus any mortgage repaid and all selling costs.

  • your share of the DLD sale registration fee
  • your agent’s commission, with 5% VAT added if your brokerage charges it separately
  • with a mortgage: the bank’s early settlement fee and DLD mortgage release fees
  • developer NOC, outstanding service charges, conveyancing and other costs you enter

The mortgage balance itself is shown separately, because it is a debt repayment, not a selling cost.

How much does it cost to sell property in Dubai?

For most sellers the largest costs are the DLD fee share and agency commission. With a mortgage, the early settlement and release fees are added. The table shows the fees used by this seller fees calculator.

Included automatically

  • Your share of the DLD sale registration fee

    2% of the sale price as standard

    Part of the 4% total. Choose 0%, 4% or a custom share if your contract says so.

  • VAT on agency commission

    5% of the commission you enter

    Added by default when your brokerage charges VAT separately. Turn it off if your figure already includes VAT or VAT does not apply. The commission itself is whatever you agreed.

  • Early settlement fee (estimate)

    Lower of 1% of the balance or AED 10,000, plus 5% VAT

    CBUAE maximum. Or enter your bank's quoted total, including VAT.

  • Mortgage release fees

    AED 1,290 + AED 315

    Release procedure and registrar fee in DLD's mortgaged-property sale workflow. Mortgaged sales only.

Only if you pay it

  • Registration trustee (service partner) fee

    AED 2,100 below AED 500,000, AED 4,200 from AED 500,000

    Including VAT. DLD does not clearly allocate it between buyer and seller.

  • Developer NOC, service charges, bank and other costs

    Amounts you enter

    Set by your developer, owners' association, bank or adviser. No default is assumed.

Who pays the DLD fee when a property is sold?

The DLD sale registration fee is 4% of the sale value. The current DLD Property Sale Registration service lists 2% of the sale value for the seller and 2% for the buyer. That is the official allocation, and the calculator’s default.

Buyer and seller can agree a different allocation in the sale contract. That is why the calculator supports 0% (the buyer pays the full 4%), 2%, 4% (the seller pays the full fee) and a custom seller share. Any of these can happen in practice; none of them applies to every sale. Use the split in your Form F / MOU.

Check how Dubai Land Department fees are split between buyer and seller in the DLD Fee Calculator.

Agency commission and VAT

There is no statutory or RERA-mandated commission rate for sellers. Commission is whatever you agree with your brokerage, as a percentage of the sale price or a fixed amount. The calculator leaves it blank until you enter your agreed figure.

Real-estate agent fees can be subject to VAT, and the standard UAE rate is 5%. By default the calculator adds 5% VAT on top of your commission, which fits a quote that shows VAT separately. If the amount you entered already includes VAT, or VAT does not apply to your quote, choose “Do not add VAT”.

Selling a mortgaged property in Dubai

When there is a mortgage on the property, four different amounts are involved:

Mortgage principal repayment
The outstanding balance repaid to your lender from the sale. It reduces your net proceeds but is not a selling cost.
Bank early settlement fee
Charged by your bank for repaying the loan early. Capped by the Central Bank; your bank may charge less.
VAT on the early settlement fee
5% VAT, added when you use the calculator's regulatory estimate. A bank-quoted total is treated as already including VAT.
DLD mortgage release charges
Fees to remove the mortgage from the title as part of the sale: AED 1,605 in the calculator.

Mortgage early settlement and release fees

Early settlement. The Central Bank of the UAE caps the early settlement fee on home loans at 1% of the outstanding balance or AED 10,000, whichever is lower. This is a regulatory maximum, not a promise that every bank will charge that amount. Choose “Estimate using CBUAE maximum” to use the cap plus 5% VAT, or “Use my bank’s quoted total” to enter your bank’s figure including VAT.

DLD release. The calculator uses DLD’s combined service for selling a mortgaged property and adds the AED 1,290 mortgage release procedure fee and the AED 315 registrar fee for the release.

The same service also lists AED 1,545 of other charges (property restriction / registration AED 1,000, knowledge fee AED 10, innovation fee AED 10, registrar fee AED 525). The DLD page does not clearly say whether buyer or seller pays them, so they are not deducted automatically. If you are responsible for any of them, add the amount under Other transfer costs.

Developer NOC and outstanding service charges

A no-objection certificate from the developer is required for a normal freehold transfer. There is no universal DLD NOC fee: each developer sets its own, so enter the amount you have been quoted.

As the owner, you are responsible for outstanding approved service charges, and the unit cannot be disposed of until they are cleared. Enter any amount you still owe; the calculator does not assume a figure.

Example selling costs

Every assumption is listed with each example. Your own commission and bank charges may differ.

Cash seller example
  • Sale price AED 2,000,000
  • Seller DLD share 2% (standard allocation)
  • Example assumption: 2% agency commission, plus 5% VAT
  • Trustee fee not paid by the seller; no NOC, service charge or other costs
Sale price
AED 2,000,000
Seller DLD share
−AED 40,000
Agency commission + VAT
−AED 42,000
Total selling costs
AED 82,000
Estimated net proceeds
AED 1,918,000
Mortgaged seller example
  • Sale price AED 2,000,000
  • Seller DLD share 2% (standard allocation)
  • Example assumption: 2% agency commission, plus 5% VAT
  • Outstanding mortgage balance AED 1,200,000
  • Early settlement: CBUAE maximum estimate, plus 5% VAT
  • Trustee fee not paid by the seller; no NOC, service charge or other costs
Sale price
AED 2,000,000
Mortgage principal repaid (not a selling cost)
−AED 1,200,000
Seller DLD share
−AED 40,000
Agency commission + VAT
−AED 42,000
Early settlement + VAT, DLD release fees
−AED 12,105
Total selling costs
AED 94,105
Estimated net proceeds
AED 705,895

Costs not automatically included

  • Registration trustee (service partner) fee, unless you opt in

    DLD does not clearly allocate the AED 2,100 / AED 4,200 registration trustee (service partner) fee between buyer and seller.

  • Other charges in the mortgaged-sale workflow (AED 1,545)

    AED 1,000 property restriction/registration, AED 10 knowledge, AED 10 innovation and an AED 525 registrar fee are listed without a clear payer. Enter them under other transfer costs if you pay them.

  • Buyer-side fees

    The buyer's DLD share, title deed, property map, knowledge and innovation fees.

  • Tax on your gain

    An individual's personal real estate investment is outside UAE Corporate Tax when not carried on under a licence.

Official sources and methodology

Statutory and regulatory rules come from the Dubai Land Department, Dubai legislation, the Central Bank of the UAE and the Federal Tax Authority, reviewed on 25 September 2026. The calculator covers ready residential resale property owned by an individual, with no mortgage or one mortgage. It does not cover off-plan assignments, commercial property, land, company-owned or inherited property, auctions, multiple mortgages or developer payment-plan balances.

Read our methodology

Frequently asked questions

How much does it cost to sell a property in Dubai?

The main seller costs are your share of the DLD sale fee (2% under the standard split), your agent's commission (plus 5% VAT when your brokerage charges it separately), and, with a mortgage, the early settlement and DLD release fees. For example, a AED 2,000,000 cash sale with an example 2% commission comes to about AED 82,000 in selling costs.

Does the seller pay DLD fees in Dubai?

Under the official allocation, yes: the DLD Property Sale Registration service lists 2% of the sale value for the seller and 2% for the buyer. The parties can agree a different allocation in the sale contract, so what a particular seller pays depends on that agreement.

Who pays the 4% DLD fee when a property is sold?

The 4% fee is officially listed as 2% from the seller and 2% from the buyer. Buyer and seller can agree otherwise in the sale contract, for example the buyer paying all 4%. That is a contractual arrangement, not a rule for every sale. Check your Form F / MOU.

How much is agent commission when selling property in Dubai?

There is no statutory or RERA-set commission rate. Commission is whatever you agree with your brokerage. Agent fees can be subject to 5% VAT: the calculator adds it by default, and you can turn it off if your figure already includes VAT or VAT does not apply. Commission stays blank until you enter your agreed rate or amount.

How much does it cost to sell a mortgaged property in Dubai?

On top of the normal selling costs, you pay the bank's early settlement fee and the DLD mortgage release fees. Repaying the outstanding balance reduces your proceeds but is not a selling cost. In the example of a AED 2,000,000 sale with AED 1,200,000 owed, selling costs are AED 94,105 and estimated net proceeds are AED 705,895.

What is the mortgage early settlement fee in the UAE?

The Central Bank of the UAE caps the early settlement fee on home loans at 1% of the outstanding balance or AED 10,000, whichever is lower. This is a regulatory maximum; your bank may charge less. When the calculator uses this estimate it adds 5% VAT. If you have your bank's quote, enter that total instead.

What is the DLD mortgage release fee?

In DLD's service for selling a mortgaged property, the calculator includes the AED 1,290 mortgage release procedure fee and the AED 315 registrar fee for the release (AED 1,605). The same service lists AED 1,545 of other charges without clearly stating who pays them; add them under other transfer costs if they apply to you.

Do I need a developer NOC to sell my property?

A no-objection certificate from the developer is required for a normal freehold transfer. There is no single DLD-set NOC fee: each developer sets its own, so enter the amount you have been quoted. Outstanding approved service charges must also be cleared before the unit can be transferred.

What happens if my mortgage balance is higher than my net sale proceeds?

Then the sale does not cover the mortgage and costs, and you would need to pay the difference to release the mortgage and complete the transfer. The calculator shows this as an estimated shortfall. Speak to your bank before agreeing a sale.

Results are estimates. Fees can change, and agency, bank and developer charges vary. Confirm your figures with your bank, agent, developer or conveyancer before you commit.