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Buy A HomeBTOResaleStep 4 of 9Next: When Are My BTO Payments Due?

How Much Cash Do I Need To Buy My Home?

Home Cash Plan

Enter your home, loan and CPF. See every payment from the option fee to move-in, and how much must be cash.

New to this? Read The Short Guide First →

Page updated · Rules checked 28 October 2026

1 Your Numbers

Your Home

Sets fees and your renovation example.

The price you pay the seller or developer.

What HDB or the bank values it at. Anything you pay above this is Cash-Over-Valuation, paid in cash.

The day you get the Option To Purchase, or book your BTO flat. Leave blank for today.

Your Loan

HDB loans lend up to 75%. Bank loans lend up to 75% (55% if over 25 years for a flat) and need some cash.

HDB loans are 2.6% now. For a bank loan, use your quote.

Your Money

Only what you can use for the home. CPF cannot pay the option fee or cash over valuation.

Sets your grants and the most you can borrow.

We estimate the grants from your income. HDB decides if you qualify.

Move-In Costs

Starts at a typical cost for your flat. Work out yours.

A typical figure. Edit it.

Our estimate. Edit it.

Fees And Dates (Optional)

Resale: up to S$1,000. Leave blank for our typical amount.

Resale: option plus exercise fee up to S$5,000. Blank uses our typical amount.

Blank uses HDB’s fee, or an estimate for a private lawyer.

HDB tells you at booking if you can stagger or defer.

HDB invites you to sign within 9 months.

Use your project’s completion date from HDB.

Sets additional stamp duty (ABSD) on resale, EC and private homes.

We work this out in your browser.

2 Your Result

Cash you need before you get the keys

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Total Cash, Including Move-In Costs
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Paid From CPF And Grants
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Cash Only Before Keys, By The Rules
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Stamp Duty
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Home Loan
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Monthly Loan Payment
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Your Payment Timeline

    Where CPF Cannot Pay

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      3 What Next

      Before we get the keys, let’s check the next number.

      Step 5 of 9 · Buy A HomeWhen Are My BTO Payments Due?BTO Payment Timeline →Read The GuideHow Much Cash Do I Need To Buy A Home In Singapore? →
      What This Estimate Assumes

      Estimate only. Uses HDB, CPF, MAS and IRAS rules checked on 28 October 2026: loans of up to 75% of the lower of price and valuation (bank loans 55% with 10% minimum cash over 25 years for a flat), the resale option fee of S$1 to S$1,000 and S$5,000 cap on option plus exercise fee, cash over valuation as cash only, stamp duty within 14 days, and HDB’s BTO downpayment stages. Resale dates use HDB’s typical service times, so your own letters set the real days. We add your grant to CPF at the initial payment (resale) or key collection (BTO). The option fee for private homes, bank-lawyer fees, furniture and moving are our estimates, shown as such, and you can edit them. Not included: CPF interest, the CPF Valuation and Withdrawal Limits that affect later instalments, fire insurance, bank valuation fees, resale levy and agent fees. Renovation cost is a typical market range, not a quote. General information and estimates only, not financial, tax or legal advice.

      Before You Use This Number

      Can I Use CPF For Every Payment?

      No. The option fee, exercise fee and any cash over valuation are cash only. A bank loan also needs at least 5% (or 10%) of the price in cash. CPF OA can pay the rest, stamp duty and legal fees if you have enough.

      What Is Cash Over Valuation?

      It is the part of the price above HDB’s valuation. Loans and CPF cannot cover it, so it is cash. A seller may ask for part of it at exercise.

      Why Does My Cash Need Look Different From The BTO Payment Timeline?

      This plan adds stamp duty, legal fees, renovation, furniture and moving to the flat payments, and works for resale, EC and private homes too. The BTO Payment Timeline checks each BTO date against your savings month by month.