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 forTDSR over 30 years, tested at 4% | S$1,099,672 |
| 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 · at least S$32,500 of it must be cash, not CPF | 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 home is inside S$731,0000 of 28 districts
No district has a median this low. The cheapest is District 25 at S$1,238,000.
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$960,000 in D19
- CondominiumOut of reach everywhere filed — the cheapest quarter starts at S$865,000 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$1,195,000 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$2,340,000 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.
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. 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.