Can I afford it

TDSR, the loan-to-value ceiling, the downpayment, the cash CPF cannot cover, and both stamp duties — as one answer instead of four.

Use this when
Before you commit to a price — or when a bank's number and your own disagree.
You will need
Your household income, any loans you are already paying, and a price in mind.
You will get
The largest loan the rules allow, the cash a CPF account cannot cover, and both stamp duties.

The figures below are an example. Replace them with yours — nothing is saved and nothing is sent anywhere.

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What you are buying
Household
Available cash and CPF
What you already carry

Where a median home is inside S$731,0000 of 28 districts

No district has a median this low. The cheapest is District 25 at S$1,235,000.

Median filed price per district · URA Data Service — PMI_Resi_Transaction · 2021-09 to 2026-09.
All private residential types together, landed included — a district median is a wide thing.
A median is somewhere to start looking, not a guarantee that a home is available at this price — half of what was filed sold above it.

And what size that reacheslower quartile of filed sales

  • ApartmentOut of reach everywhere filed — the cheapest quarter starts at S$958,888 in D19
  • CondominiumOut of reach everywhere filed — the cheapest quarter starts at S$893,000 in D25
  • DetachedOut of reach everywhere filed — the cheapest quarter starts at S$1,680,000 in D23
  • Executive CondominiumOut of reach everywhere filed — the cheapest quarter starts at S$1,196,000 in D25
  • Semi-detachedOut of reach everywhere filed — the cheapest quarter starts at S$3,088,000 in D23
  • Strata TerraceOut of reach everywhere filed — the cheapest quarter starts at S$2,338,000 in D27
  • TerraceOut of reach everywhere filed — the cheapest quarter starts at S$2,400,000 in D22

HDB via data.gov.sg · URA Data Service · last 12 months, from 2025-09 · a group of fewer than 10 filed sales is not shown. The lower quartile is the cheaper end of what actually traded, not the cheapest sale. Reaching a price is not the same as a home being available at it.

A bank would assess you forS$1,099,672TDSR over 30 years, tested at 4%
The 75% ceiling on this price allowsS$487,500first housing loan
So the loan isS$487,500limited by LTV
DownpaymentS$162,500price less the loan
— of which must be cashS$32,5005% of price, CPF not allowed
— covered by CPFS$120,000as far as your OA goes
Buyer's Stamp DutyS$14,100progressive, on the price
Additional Buyer's Stamp DutyS$0none — first residential property
Mortgage stamp dutyS$5000.4% of the loan, capped at $500 — the line most calculators leave out
Cash needed on the dayS$57,100downpayment cash plus all three duties

TDSR 55% · MSR does not apply to this purchase · tenure to 30 years · stress rate 4% · LTV 75% · cash floor 5%
IRAS — Buyer’s Stamp Duty · IRAS — Additional Buyer’s Stamp Duty · rates last reviewed 2026-08-21 · LTV reviewed 2026-08-24
This plans a purchase from figures you typed. It does not value any property, and it is not financial advice. Nothing here is sent anywhere.

Every step is shown, not just the total. The order matters and each line is something you can argue with: what a bank assesses you for is not what the property will carry, and the smaller of the two is your loan. Most calculators show one of those and call it an answer.
The cash floor is the part that catches people. A share of the downpayment must be cash and cannot come from CPF, however large the OA balance is. Someone with $400,000 in CPF and $20,000 in the bank can still fail to complete.
Nothing here is stored or sent. The figures stay in the page. There is no sign-up, no email wall and no saved profile, on this or on any tool on this site.

The rest of it

Can I afford it — TDSR, downpayment and stamp duty in one answer | Truestorey