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Without Sooner you would need the down payment plus the full closing-cost stack. We cover the closing costs at closing, so only the down payment leaves your account on day one.
These figures are indicative. The actual coverage will be the amount Sooner disburses at closing, reconciled against the real invoices from DLD, your agent, your bank, the trustee office, and the conveyancer. Expect minor movement, generally within a few hundred dirhams of the totals above.
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Reply to my email with the documents and I will take it from there.