Can I afford it
The largest loan the rules allow, the cash CPF cannot cover and both stamp duties — as one answer.
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From your income to the cash on the day
Your figures · rates reviewed 2026-08-21Each line is a step you can argue with. The smaller of the first two is your loan.
| The loan | |
|---|---|
| A bank would assess you forMSR over 25 years, tested at 4% | S$625,193 |
| The 75% ceiling on this price allowsfirst housing loan | S$487,500 |
| So the loan islimited by LTV | S$487,500 |
| The cash on the day | |
| Downpaymentprice less the loan · none of it has to be cash — an HDB loan takes it from CPF OA | S$162,500 |
| Covered by CPFas far as your OA goes | −S$120,000 |
| Buyer’s Stamp Dutyprogressive, on the price | S$14,100 |
| Additional Buyer’s Stamp Dutynone — first residential property | S$0 |
| Mortgage stamp duty0.4% of the loan, capped at $500 | S$500 |
| Cash needed on the day | S$57,100 |
The cash floor is the part that catches people. However large the OA balance, a bank loan needs part of the downpayment in cash.
Where a median flat is inside S$731,00022 of 26 towns
Median filed price per town · HDB Resale Flat Prices (data.gov.sg) · 2023-09 to 2026-09.
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
- 3 RoomReachable in 26 of 26 towns — cheapest Geylang at S$332,000
- 4 RoomReachable in 21 of 26 towns — cheapest Jurong West at S$503,888
- 2 RoomReachable in 20 of 20 towns — cheapest Toa Payoh at S$272,500
- 5 RoomReachable in 12 of 26 towns — cheapest Jurong West at S$600,000
- ExecutiveReachable in 1 of 21 towns — cheapest Sembawang at S$705,000
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.
TDSR 55% · MSR 30% · tenure to 25 years · stress rate 4% · LTV 75% · cash floor 0%
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. Your figures leave the browser only if you ask for the emailed copy — which is written from them and stored nowhere. The WhatsApp handoff includes no figures.