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

From your income to the cash on the day

Your figures · rates reviewed 2026-08-21

Each 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 loanS$487,500
So the loan islimited by LTVS$487,500
The cash on the day
Downpaymentprice less the loan · at least S$32,500 of it must be cash, not CPFS$162,500
Covered by CPFas far as your OA goes−S$120,000
Buyer’s Stamp Dutyprogressive, on the priceS$14,100
Additional Buyer’s Stamp Dutynone — first residential propertyS$0
Mortgage stamp duty0.4% of the loan, capped at $500S$500
Cash needed on the dayS$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.

Email me this report

The two figures, the full ledger, what is not in it and the rules being applied — written out, in one email you can keep or forward. Everything in it is on this page already.

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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.

The rest of it

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