Smart Housing Support Calculator 2026

In 2026, with Council of Ministers Resolution No. 850 now in effect, understanding the updated support matrix has become the first step toward owning a home. Whether you prefer immediate liquidity through the SAR 150,000 package or lower monthly financing costs, the Asas Makeen calculator gives you the numbers you need to make a more informed financial decision.

Housing Support Calculator Tool

Use the calculator below to estimate the support options available to you based on the latest updates from Sakani and the Real Estate Development Fund.

How is the support calculated?

The 2026 calculation logic is based on the financial rules issued by the Ministry of Municipalities and Housing:

1. Upfront support package formula

This package is a non-refundable lump sum that can be used toward the down payment:

• Eligible for the SAR 150,000 package: if net monthly income is below SAR 10,000.
• Eligible for the SAR 100,000 package: if net monthly income is SAR 10,000 or above.

2. Monthly subsidy matrix

If you choose monthly profit-rate support instead, the percentage is calculated based on income brackets for financing up to SAR 500,000:

• 100% support: for salaries up to SAR 14,000, including basic salary and housing allowance.
• 95% to 35% support: decreases gradually as salary increases according to the updated support matrix.

Asas Makeen expert tip: which option should you choose?

As a leading real estate developer in Riyadh, we believe the 2026 trend favors the SAR 150,000 package for the following reasons:

1. Down payment coverage: it helps you begin the ownership process immediately without a long savings period.
2. Flexibility: the amount can support better unit specifications or help cover brokerage fees and taxes.

Important note: To confirm whether the legal conditions apply to your case, including the SAR 5 million asset cap, review the 2026 housing support conditions guide.

Sources and references

1. Council of Ministers Resolution No. 850 (June 2025): updates to housing support regulations and eligibility age rules, issued through the Bureau of Experts at the Council of Ministers.
2. Sakani platform: financial support regulations and direct support package details.
3. Real Estate Development Fund (REDF): supported mortgage disbursement mechanism.
4. Ministry of Municipalities and Housing: housing policy and Vision 2030 homeownership objectives.
5. Argaam Real Estate coverage: details of the updated housing support matrix and the SAR 150,000 package, including later updates.
6. Executive regulations for housing support, updated for 2026: support percentage tables and income brackets.