Saudi Property Purchase Cost Calculator Widget

Add up the cash needed to buy a home in Saudi Arabia: the down payment, the broker's commission and the VAT on it, the Real Estate Transaction Tax only where the contract makes the buyer bear it, and the bank, valuation and other charges you enter yourself.

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<iframe src="https://a2z.tools/embed/w/saudi-property-purchase-cost-calculator" title="Saudi Property Purchase Cost Calculator by A2Z Tools" width="100%" height="1090" style="border:0;width:100%" loading="lazy" allow="clipboard-write"></iframe>

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How it works

Only two costs on a Saudi property purchase come from published rules, and the widget takes those from A2Z's rule file. The first is RETT - 5% of the value, legally owed by the seller, with the state bearing the tax on the first SAR 1,000,000 of an eligible citizen's first home. It is counted against the buyer only if you say the contract shifts it. The second is brokerage: the Real Estate Brokerage Law sets 2.5% of the price unless the parties agree another figure in writing, payable by whoever engaged the broker, with standard 15% VAT on the commission. Everything else - bank arrangement fees, valuation, insurance, moving costs - varies by lender and deal, so the widget asks for them rather than inventing figures. Notary and title-transfer fees are not shown because no official fee schedule could be found. The down payment is the price less the finance amount; the property sale itself carries no VAT.

Calculation method

  • Down payment = price - finance amount
  • RETT (counted only if the buyer bears it) = 5% x value, less the state-borne first SAR 1m for a first home
  • Brokerage = price x commission % (default 2.5%) + 15% VAT
  • Cash up front = down payment + buyer's RETT + brokerage with VAT + entered fees

Worked examples

First home with a broker

Inputs: Price SAR 1,200,000; finance SAR 1,000,000; seller pays RETT; 2.5% brokerage

Result: Cash up front SAR 234,500

200,000 + 30,000 + 4,500.

Buyer bears RETT, no broker

Inputs: Same price and finance; buyer bears RETT; SAR 5,000 fees

Result: Cash up front SAR 215,000

RETT 5% x 200,000 above the first-home SAR 1m = 10,000.

An estimate of the costs you can see today, not a quotation. Your lender, broker and the notary confirm the final figures.

Limitations

  • Notary, title-transfer and Ejar-type fees are not included: no official schedule was found.
  • Lender fees and other charges are your own inputs; A2Z does not show any lender's prices.
  • The non-Saudi buyer fee under the 2026 ownership law is not modelled.

Where publishers use it

  • A developer's sales page showing first-time buyers the full cash requirement
  • A mortgage broker's guide to costs beyond the down payment
  • A relocation blog for families buying their first Saudi home
  • A villa or apartment marketplace adding a cash-to-close panel beside each Dammam, Khobar or Madinah listing
  • A first-time buyer in north Riyadh pricing a villa off a Sakani listing
  • A Khobar apartment investor comparing broker commissions

Questions

What costs does a buyer pay on a Saudi property purchase?

The down payment, the broker's commission (2.5% by default) plus 15% VAT on it, and lender and valuation fees. RETT is the seller's tax unless the contract makes the buyer bear it. There is no VAT on the sale itself.

Is the 2.5% brokerage fixed?

No. The Brokerage Law sets 2.5% of the price unless the parties agree otherwise in writing, and when one broker acts for several parties their combined commission may not exceed 2.5%.

How much cash do I need for a SAR 1.2 million first home?

With SAR 1,000,000 of finance and a 2.5% broker: SAR 200,000 down payment plus SAR 30,000 commission and SAR 4,500 VAT = SAR 234,500, before your own bank and valuation fees.

Who pays the broker in a Saudi property sale?

Whoever engaged the broker, under Article 14 of the Brokerage Law. Where one broker serves both seller and purchaser, their combined commission still cannot exceed 2.5%, and the brokerage contract registered on the REGA platform should state the split.

Rules and official sources

Every legal or regulatory figure this widget uses is listed here, with the official page it was read from. The widget reads them from A2Z's rule file for Saudi Arabia; when a rule changes, the widget changes with it.

RuleOfficial sourceIn force fromLast verifiedNext review
Real Estate Transaction Tax (RETT) rate
5% of the value of each real estate disposal: the agreed price, but not less than fair market value, excluding the financing profit. The seller is liable; the buyer is jointly liable only if it caused under-payment. No VAT on the sale (VAT IR Art. 30(1)(a)). RETT Law (Royal Decree M/84) in force since 10 April 2025; 5% since 4 October 2020 (Royal Order A/84). 		Detailed Guideline for RETT (v6), RETT Law (Royal Decree M/84) and Implementing Regulations
Zakat, Tax and Customs Authority (ZATCA) - RETT Law Art. 2; Guideline Examples 7-10		 4 Oct 2020 7 Oct 2026 5 Apr 2027
First-home RETT borne by the state
For an eligible Saudi citizen's first home (First Home certificate on housing.gov.sa), the tax on the first SAR 1,000,000 of the price is borne by the state; 5% applies to the amount above. Reconfirmed in Guideline v6 (May 2026). 		Detailed Guideline for RETT (v6)
Zakat, Tax and Customs Authority (ZATCA) - Section 1.1 (Royal Order A/84)		 4 Oct 2020 7 Oct 2026 5 Apr 2027
Real estate brokerage commission (default)
2.5% of the sale price unless the parties agree otherwise in writing - a default, not a cap - paid by the party that contracted the broker; with several parties the total may not exceed 2.5%. VAT at the standard rate applies to the commission. 		Real Estate Brokerage Law, Royal Decree M/130 (official translation)
Real Estate General Authority (REGA) - Art. 14		 29 Jun 2022 7 Oct 2026 5 Apr 2027
Saudi VAT standard rate
15% of the value of a taxable supply from 1 July 2020 (Royal Order A/638 amended VAT Law Art. 2; 5% from 1 January 2018 to 30 June 2020). Exempt: margin-based financial services (VAT IR Art. 29), sale of real estate and residential leases (Art. 30). Zero-rated: exports of goods and services, international transport, qualifying medicines and medical equipment, investment metals. 		ZATCA: About VAT (Royal Order A/638 amending VAT Law Art. 2)
Zakat, Tax and Customs Authority (ZATCA) - Royal Order A/638; VAT Law (Royal Decree M/113) Art. 2		 1 Jul 2020 7 Oct 2026 5 Apr 2027

Sources

  1. Detailed Guideline for RETT (v6), RETT Law (Royal Decree M/84) and Implementing Regulations - Zakat, Tax and Customs Authority (ZATCA) . RETT Law Art. 2; Guideline Examples 7-10. Verified 2026-10-07.
  2. Real Estate Brokerage Law, Royal Decree M/130 (official translation) - Real Estate General Authority (REGA) . Art. 14. Verified 2026-10-07.
  3. ZATCA: About VAT (Royal Order A/638 amending VAT Law Art. 2) - Zakat, Tax and Customs Authority (ZATCA) . Royal Order A/638; VAT Law (Royal Decree M/113) Art. 2. Verified 2026-10-07.

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A2Z Tools Saudi Property Purchase Cost Calculator
https://a2z.tools/embed/saudi-property-purchase-cost-calculator

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