How much cash will you need?
The part many buyers only discover late: your loan and CPF are based on the lower of your price and HDB's valuation. Pay above the valuation, and every extra dollar comes from your own pocket, in cash.
Your upfront cash, if HDB values the flat at your price
Enter the price above to see the cash you would need.
Arithmetic on your figures and published rules as at 2026-10-04. Planning figures to confirm with your bank or HDB, not financial advice.
Planning figures, not loan approval. The 75% loan is the most HDB or a bank will lend; your income, age, other loans, loan term and the flat's remaining lease can lower it. Confirm your loan with HDB or your bank.
Less CPF can be used if the flat's lease does not last until the youngest buyer turns 95. Enter only the amount you are allowed to use, checked with the CPF housing usage calculator.
Additional buyer's stamp duty (ABSD) is not included. Singapore citizens buying their first property pay none; permanent residents, and anyone who already owns property, usually do. Check IRAS.
Buyer's stamp duty is charged on the higher of the price and the valuation. For a resale flat you pay it in cash first; CPF can pay it back afterwards if you have CPF left, and can usually pay the legal fees directly. We count both as cash, the safer assumption, and show beside your cash figure how much your remaining CPF could cover. CPF on housing costs. Rules checked 2026-10-04.
Plan the money
Worked from the price and CPF above. Nothing is saved.
Monthly repaymentsWhat the loan would cost you each month
Enter the loan, rate and years.
The loan starts at the most HDB could lend if HDB values the flat at your price; yours may be less. HDB's loan rate is 2.6% a year, reviewed every three months. An HDB loan runs for the shortest of 25 years, 65 minus your average age, and the flat's remaining lease minus 20 years. Repayments are usually capped at 30% of your income. Confirm with your lender. Checked 2026-10-13.
Grants you may getFirst-time buyers can get grants that cut the cash and CPF needed
Enter your income to see the grants you may get.
A planning estimate from HDB's published rules, checked 2026-10-13. HDB's eligibility letter (the HFE letter) decides the grants you actually get. HDB on grants.
Selling one flat and buying another?
The move plan puts both sales in one sum: what the sale frees in cash and CPF, what the next flat needs, and the timing rules.
Plan a moveWhat is the flat really worth?
Search a block and we work out the range recent sales support, with every sale shown.
Check a flat